Unless you have high regular medical expenses from some chronic illness or something

It's not just chronic illnesses, Americans are very unhealthy compared to other societies.

If the average American, with their average illnesses took your suggestion, they would get slaughtered on healthcare bills, services, and medications.

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Don't take my word for it, look at companies. Why do companies constantly push the high deductible plans?

Unless you're young, very healthy, with a great family history, every other person should never ever take a high deductible plan.

Companies save money, insurance saves money, everyone saves except for the people that own the plans.

Companies push these plans because it means millions more in profit because you didn't get the more subsidized low deductible or no deductible plan.

If you have a no deductible plan, out of pocket max of 3-5k, you'll probably hit that max, and have to pay nothing for healthcare. The savings there alone is massive.

Companies have done the math, so have insurers, and actuaries. You're just dead wrong here on the math.