The problem with that theory is that you don’t stick with health insurance, unless its an individual policy. As you change employers you change policies. Going forward they are going to be more and more expensive and cover less and less.
If you have a family you are probably still better off sticking with the group policy but for those who are healthy, young or both, an individual catastrophic policy sounds like a better long term gamble. Its in the short term (while your HSA account is compounding that you run higher risk.)
