And that would change the situation. When I get melanoma (which I'm sure I will) it might be better to be in the DPMP. Right now just doesn't make sense.

The older we get the higher our medical costs get. That would warrant a lower deductible plan. However, the new HSA's may be better for us youngsters. If I max out the HSA for the next 30 years I'll have an awful lot in that account to fund my old age problems.