If you are paying for anything other than the Diamond plan: you didn't do your homework and/or are bad at math.

My wife went to the doctor a lot this year, we (she) burned through the $2000 HRA in about 5 months, then through our flex spending acct of $1000 in a couple more months. But then our deductible of $3000 was met and co-insurance kicked in which covers 90% in-network. If anyone is steering away from the diamond plan because they are worried about what it will cover once the deductible is met: don't. We were actually surprised how good it was.