Not following you here. Our HDHP plan is actually on the lower end of plans offered by my employer. If you're referring to the plan comparison tool with the different scenarios, I must not have explained it very well. Basically you could put your expected, worst-case, or optimal medical bills in for the coming year and figure out which plan would cost you the least. I was doing the opposite of what every insurance company wants which is to go for the highest cost plan for the peace of mind.