For health insurance plan, is it good to have a low deductible, but a higher coinsurance?

I'm looking at a health insurance plan with a premium of $76 per month. The deductible is $500 and out-of-pocket maximum is $2,500, which doesn't include deductible. Coinsurance is 30% after deductible. I get the first 3 doctor visits for $30 co-payment and then pay 30% after deductible. Does this plan sound okay? I normally see a doctor once a year. Thanks!
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Generally, your deductible should be no higher than whatever you would feel comfortable writing a check for -- whether out of current earnings, or cash specially set aside to cover your deductible at need. The higher your deductible, the lower your premiums. The plan you described may qualify you to open a HSA (health savings account) which would let you set aside pre-tax dollars for your health care -- a good option for those who rarely seek treatment.
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