Hi Richfei, welcome to the forum. Why not stop by here
and introduce yourself?
The insurance rates you see are not rack rates, they are best case rates. Insurance underwriting can increase them, sometimes substantially, when you apply based on your medical history, or they can simply choose not to extend you a policy.
One advantage of a high deductible policy is the HSA option, which allows you an above the line deduction and, if used for eligible expenses, is essentially tax free form that point on. To your question, however, higher deductibles are often better deals, especially if you use health care services infrequently.