you're getting hosed, probably
I'll simplify the math for you, lets say you get a work plan that is on the high side of high deductible, $200 a month (I pay a bit less for a family with five kids).
right there, you're saving $700 a month, $8400 a year. Since you have a deductible of $1000, a high deductible plan is $7000 (100% coverage after that), there is a difference of $6000 for max deductibles, you can see that in the worst case scenario, the high deductible plan can cost $6000 more in practice, but since you're saving $8400 a year, you're still ahead $2400 regardless of hitting the deductible.
In practice, it's a lot different, your doctors visits may accumulate to $500 a year, meds accumulate to $500 a year, and dental isnt even covered.......... but, with an HSA account, you can pay off your dental bills. My HSA distribution showed that I spent $3000 in dental and health for a family of five for both dental and health, that leaves me $5400 ahead...... sort of. I did have to pay for braces for three of them, another $3000 from the FSA tax free account, leaving me only $2400 ahead....
but considering that it paid for medical, and it paid for dental, very costly dental for braces of three of the five kids, I am weathering it just fine I think. Dental and Medical paid in full, ahead by $2400 is darn good. I might add that braces finish up this year, going to be freed up a whole lot more, should be able to add to the HSA much faster once again. There are setbacks when adding to that account, but there is consistent adding rather than retraction, havent encountered a single year when I lost from that account.
when you're in charge of your health finances, you find ways to save on expenses, like goodrx coupons, you can neg lower prices at the docs (it works), and you're left with a stash of money you command. You can even take money from that HSA, but that's a different tangent I'm not going to get into