The risk of avoiding follow up scopes is dependent on your original diagnosis and length of time since diagnosis. If you never have had cancer or dysplasia, your risk is lower, but not the same as the general population.
With a high deductible plan, you need to set aside money on a monthly basis to go toward your deductibles. Set aside about $100-200 per month. Stick it in an HSA account. That money will lower your taxible income “above the line” (like a payroll deduction). Then, next year you will have the money. The idea of a high deductible plan is not to avoid care. You wind up paying one way or another. You can also ask your provider to let you pay by installments.
No easy answers for sure.
Jan