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A health insurance deductible is very common. Typically, it is approximately $500-$5,000 (Yes...that is a big range) and it applied to major medical claims and often ER visits, inpatient surgeries and outpatient procedures.
Usually, depending on the policy office visits and many prescriptions are not subject to the deductible. Of course, a higher deductible will lower your rates.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
What does it mean to have a health insurance deductible? A deductible reflects the amount that you are willing to self insure on your health plan. The deductible is the first part of a health insurance bill when it comes. That portion is on the insured to pay. The next phase is co-insurance where you and the insurance company split the bill.
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Usually, depending on the policy office visits and many prescriptions are not subject to the deductible. Of course, a higher deductible will lower your rates.