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I do today, but changing it next year to a higher deductible so I can get the FSA built up. That’s a better resource to have if you only do normal checkups
For most healthy folks, HDHP is a financially sound choice
Pretty sure BCG does
No reason to do the highest unless you are older or have a medical need. For instance the “highest” may not have a co-insurance. But, most of us will rarely have a large procedure and even if an accident a 90% co insurance just passes off 10% of the risk. Not a big deal in the course of 12 months if you add up the premium differences. But, it does vary on the health, age, and other factors of the individual, including if they have a family and kids.