The Shandro Group can help you decide if a high deductible healthplan is right for you and your family. Usually, high deductible healthplans are Health Savings Account qualified, also known as an HSA. This is a savings account that you open through a bank and can contribute money to while you have the HSA qualified plan. You can use this tax deductible money for health, dental, and or vision expenses tax free and it rolls over from year to year. Once you are eligible for Medicare at 65, you can also use these funds to pay for your Medicare premiums.
Check out this article for pros and cons to HSA's.