'High deductible' is so broad it's almost meaningless. At $1,300 single $2,600 family (2017) in the US many people hit every year making price shopping almost pointless.
https://en.wikipedia.org/wiki/High-deductible_health_plan now at the high end of that a $13,100 family plan does provide more incentive again unless there is something significant wrong when again the incentive to price shop suddenly goes away. Worse, medical spending tends to mostly be by a few very sick people vs. the healthy making high deducible plans have limited real impact.
Mine's $3000/6000, I've luckily been in good enough health to not hit it. It's been the right choice for me; the amount I've saved into my HSA vs employee contribution to our more expensive health insurance option will more than cover hitting the max for a year.
I was looking into sleep studies recently, a quick google suggests a cost range of $600 to $5000. I'd definitely shop that around, and if a place won't give me a price then I wouldn't consider doing it.
But like you said, I'm pretty small potatoes compared to sick people.
https://en.wikipedia.org/wiki/High-deductible_health_plan now at the high end of that a $13,100 family plan does provide more incentive again unless there is something significant wrong when again the incentive to price shop suddenly goes away. Worse, medical spending tends to mostly be by a few very sick people vs. the healthy making high deducible plans have limited real impact.