I'm in the same boat (Score 1)

This year I found myelf in he same boat. My wife and I are mid-fifties and so far healthy save for he usual small stuff. We went with a 5K deductible with HSA policy from Humana that costs about $750 per month. Yikes! Well - about a month ago I woke up one fine morning with a detached retina. Just happened. Who knew this was possible but it is and it's not that uncommon. So there went the $5k deductible. It's pretty much a wash though since a $1500 deductible would have cost about $2400 more per year. If the RD hadn't happened the gamble would have been a winner. Best of luck making this choice. Peter