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HDHP only makes sense if you are fairly healthy and actually plan to contribute to an HSA. An HSA has many benefits being tax free, rolling over from year-to-year all while providing you a place to put money for future healthcare costs. I think most healthy, single adults should be choosing a plan that allows them to contribute to an HSA.
If you end up needing a costly procedure, however, you'll be paying a large out of pocket sum for the year to meet the deductible. If you have a family, you increase the chances of having to meet that high deductible just in terms of sheer volume of services for 3 or more individuals, so many times having a HDHP makes less sense for a family.
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