High Deductible Health Plans combined with an HSA, (which BTW, long predate Obamacare) especially if the employer makes contributions which are tax free, are excellent for young, healthy singles or couples, folks who never get sick, or have chronic conditions and have to take Rx’s to manage their conditions, and only use their health plan for things like annual well care physicals, flu shots which are 100% covered and not subject to the deductibles.
But also understand that the annual deductible for a family and the annual out of pocket limits which for 2016 for a family is $13,100, that applies to the entire family and not to each family member individually.
http://www.hsacenter.com/2016-hsa-contribution-limits.html
What you seem to be missing is that people are paying 600-800-1000 more a month for those low deductible plans...and even if the “employer is paying it” - ultimately the consumer is because its a cost of hiring them.
When you save 10K a year on premium, you can afford 10K a year in deductibles...and WORST CASE scenario? You break even. Best case? You save a ton of after tax money.
You talk as if there is another option available to me. The only option I have is a High Deductible plan with an HSA.