I'm on the other side. A high deductible plan for me means I'm guaranteed to have to pay that amount, due to medication and visits.

If I take the low deductible plan with the higher Max OOP I am actually spending less on a yearly basis because the insurance kicks in immediately.

Of course, when something catastropic happens, like cancer, yea, the high-deductible plan would've been better, but that (knocks on wood) doesn't happen every year.