My wife and I are in a similar boat. We're on federal employee benefits, and for total value an HSA/HD plan is the best option. Of course, you've got to be able to swallow a pretty significant deductible before coverage begins, unless you really think you're not going to use the insurance beyond preventative care. These plans also make the most sense for people who make an additional HSA contribution up to the maximum, because the contributions are an income credit, not just a deduction. If you do get a big surprise, like a medical emergency and you end up with a bunch of out of network expenses, the result can be breathtaking to the unprepared or the unable. (The maximum out of pocket, including out of network expenses can be... I can't remember exactly... something like $13,000.)
This is why I'd like to see a government option for healthcare insurance, bundled with the ability to negotiate with providers and drug companies, just like the private insurers do. The resulting data would be fascinating.
