What you describe sounds reasonable to me. Is there coinsurance on this plan? High deductibles don't bother me. But coinsurance, where you have to pay 20% or 30% of costs, scares me. If you get seriously ill or are hit by a bus or something, the cost to you could be huge, way more than the typical deductible.
0% coinsurance on mine. Go to www.ehealthinsurance.com and see what pops up (that's what I've used ... they may not include your state very well, but for CA, it finds 20 HSA eligible plans for me, 12 of which don't have coinsurance.)
