Agree with Brutul. If you are under the age of 30(and probably even 40) go with a high deductible. Sit down and decide how much you would be able to pay off over time without having to declare bankruptcy if something catastrophic happened. Is that $5000, is that $10,000? Most hospitals will work with you when you owe them a few grand and you can make payments on it, they often won't require it in a lump sum(or will offer you a discount if you can pay it in a lump sum), but Don't skimp out on paying $100-$200 a month, when that could keep you from going bankrupt.
Crazy shit happens. My girlfriend in college got ovarian cancer at the age of 23 and died, her parents were farmers and had no health insurance. Almost half a million dollars in medical bills. Her parents had to sell their farm, move into town, and her dad sells used RVs now. Fucking sad. If nothing else, keep your insurance going for your family and the people that love you, you may not care what happens to you if you end up in a coma or dead, but I guarantee your loved ones are going to want to see you get the best care possible, and they are going to try to pay for it if you don't, and it can ruin them.