My wife and I have a high deductible plan with a HSA(Thanks to W).
Due to a stress fracture in my foot I have been to an ortho 3 times. I see the original cost of each visit, then I see the insurance negotiated amount which is what I pay. For example each xray and visit is marked at $270, but when the insurance negotiation comes to pass I pay about $90.
For us unless there is a catastrophic illness our insurance is just a "savings club card".
Now that I pay for my own healthcare I am much more cognizant of what and how much to consume.