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:
$1,500/person deductible/$3,000 family deductible =$22,356/year premium
$3,000/person deductible/$6,000 family deductible = $17,952/year premium
$4,000/person deductible/$8,000 family deductible= $15,972/year premium
$5,000/person deductible/$10,000 family deductible = $13,572/year premium
2020:
$1,500/person deductible/$3,000 family deductible =$25,038/year premium (+12%)
$3,000/person deductible/$6,000 family deductible = $20,093/year premium (+11.9%)
$4,000/person deductible/$8,000 family deductible= $17,871/year premium (+11.9%)
$5,000/person deductible/$10,000 family deductible = $15,174/year premium (+11.8%)