I hear you! Are you on any medications you can refill? That can eat away at the deductible. Or any doctor's visits you need? We've always had BCBS PPO plans, but this year we purposely switched to a high deductible plan. Our employer pays into the HSA for us, then we only have to pay around $3,500 out of pocket before the family deductible is met. Our daughter is a Type 1 Diabetic, so far this month, her insulin, needles, test strips, etc. alone have taken care of half our family deductible for the year! Our deductible will be met by end of Feb, so surgery should be covered.
I would do that, think of any appointments you can make, therapy visit, medications you can refill. Good luck to you