Basically, everyone on gE.c should probably be in the cheapest plan their company provides and if your company has a High Deductable HSA, do that. Even the cheap plans have a cap on out of pocket expenses. With the money you save, invest it in HSA, FSA, or Roth IRA. If you have previous serious medical issue, then this may not apply to you.
sd's company is awesome. We only get $800 starter money for the HSA each year. It costs me about $2100/year in premiums for the family. It has a 20% co-pay with an out of pocket max of $3600 as long as I stay in network. I think the max contributions for HSA's this year, which is set by the government, is $5,400.