If you are healthy as you claim. Get a regular insurance plan. Figure out how much you can afford if a catastrophy hits and declare that for your deductible.
Also, make sure if does have a "family deductible limit" AND make sure you know your "Maximum Out of Pocket Expense" and if there is a Maximum out of pocket expense for the family as well:

ie:
you have a $2,500 deductible per person
with a Max family deductible of $5,000
All three of you in the family are in the hospital
All three of you WILL not have to pay $2,500 (just two of you)
Now, they may divide it up, but in the end, no more than $5,000
Claims department will also keep billing you over the $5,000 so you will have to call them and tell them you met your family out of pocket deductible.
Maximum Out of Pocket Expense
The policy may say there is a $10,000 maximum out of pocket expense
Same thing applies.
Does the Dr copay and RX apply to this and the deductible (ask you insurance company, not an agent)
HSA's are great if you know you are going to use the money, but if the premiums are less on a fixed, do the regular.
Also, if you complete paying your deductible in Oct, Nov or Dec of any year, it should carry over into the next year and you shouldn't have to pay it again the following year.

Hope this helps

Hope this helps.