I have my own business and currently pay $300/month to enroll myself, my wife with health issues, my son with asthma, and my son with autism in a 5000/10000 deductible HDHP.
I am saving a fortune on monthly insurance fees versus a traditional plan, some of which is set aside for future bills.
I have a HSA which I am contributing the max amount into and not using while I am in my current fairly high income situation. I get at least 25% of this contribution back in tax savings. This money is available for any future expense regardless of my future insurance situation. Any earnings on this money is tax free.
We pay the full cost of our doctor visits, perscriptions, etc. until the deductible is met and then insurance pays 100%. We do get discounts from our in network providers (basically all our medical care at this point) which can be huge. For example, $450 lab fees bill cut down to $45. The discounts are a major major benefit.
With tax savings and discounts figured into the equation, our insurance coverage is costing us very little and it is there for unforseen major medical problems.
All in all I would have to say that I am very happy with the HDHP as it applies to our situation. This is one case where past savings can open up opportunities that snowball into even greater future savings.