Injury requires expensive surgery. Can I switch my high-deductible insurance for a no-deductible? Then drop it?

Short of switching plans you have other options. 1) Since it is late in the year find out how much of the deductible you have met. Most people meet the deductible early in the year. 2) Determine if your pre-op expenses with help you meet your deductible. 3) Ask your surgeon for a discount or to bill accept insurance only. 4) Find out the difference between your In Network/Out of Network deductible, sometimes there is no In Network expenses in spite of a high deductible.