Is this for a HDHP? Could be a case of deductible leveraging.
I had a $3,000 family deductible HSA until last year when the increase was so high that I shifted to a $10K.
I don't see how the lower deductible plans make any sense.
My renewal options for family of 5 are:
$3,000 deductible =$22,356/year premium
$6,000 deductible = $17,952/year premium
$8,000 deductible = $15,972/year premium
$10,000 deductible = $13,572/year premium