They really only seem worth it when paired with an HSA. I have really expensive coverage now, because: kids. If I instead had my company’s high deductible plan plus funded an HSA to cover the deductible, both my premiums and coverage would be about the same. However for years when I didn’t use the entire HSA, it rolls over for the future. If you can afford this combination and not always sick, you have good coverage and premiums going down over time. With kids, there’s always something, so not worth it for me