A deductible in health insurance is the amount an individual is required to pay for covered health care services before the insurance plan starts to pay. For example, with a $2,000 deductible, the individual would pay the first $2,000 of covered services, and after that, the insurance company would pay the rest
. High-deductible health plans (HDHPs) have lower premiums and higher deductibles than traditional health plans, and they are intended to incentivize consumer-driven healthcare and reduce overall health care costs
. Deductibles can vary depending on the type of plan, and generally, plans with lower monthly premiums have higher deductibles, while plans with higher monthly premiums have lower deductibles
