health care headache

Can I just say that trying to decide what kind of healthcare plan to get is giving us a headache!!  Pay $300/month for a $10,000 deductible that you will probably/hopefully never meet, pay 500-800 a month for a $2500 deductible that you might possibly meet but would still pay a 20% copay, or just put money in savings and pay cash for medical bills because doctors give such a nice cash discount on things and you can make payment plans with the hospital or provider if you require them................Headache.  Any thoughts???