In a perfect world, we would all have no deductible affordable health insurance and our employers would be paying most of the cost. Since this is not the case, here is how I look at health coverage.
When you're young and in good health, opt for the higher deductible rather than paying the higher premiums that come with a no-deductible policy. This may come back to bite you, but the odds are in your favor. Chances are that as a healthy young person you won't be spending large amounts of money on medical bills.
Once you have kids, you can count on a few visits to the medical center. With kids, chances are you will be better off paying the extra cost in premiums rather than getting stuck with a large bill because of a high deductible.
By the time the kids are out of the house and off the insurance policy, you are no longer young, and probably not as healthy. This being said, you should stick with the low deductible as you move into old age.
That's just my opinion.