You wouldn't necessarily have a high deductible plan. You'd buy a plan that you're most comfortable with, and you'd pick an insurance company that (you'd hope) would negotiate the best rates with the health care providers. It wouldn't be much different than what you have now, except the insurance company (jn many ways your contractor) is more accountable to you. That and if you change jobs (or lose your job) you don't have to worry about COBRA.