Near ten years as a software developer with no major medical bills (crossing fingers it continues). Don't remember the exact amount it saves me each paycheck but I think by this point I've covered the high deductible.
That depends on what you did with the money you saved.
Did you put it in the bank (or under your mattress) so that you'll be able to pay the deductible in the unfortunate event you would need it?
Or did you spend it?