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High Deductible plan + HSA = works for me.
I almost wish all health plans in the US were similar.. Would stop the retarded stuff you get when you have the employer (or state! christ.) sponsored plans that cover 100% of everything, or a very low ($10-20) co-pay. Was just talking to someone today who went to the doctor to have a splinter removed. What the hell? $150 charged to insurance just because "my doctor visits are free!". If people had to pay what it cost for things like that, you'd see a dramatic slowdown in the retardation.
No perfect solution I suppose though.
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