As the name suggests, the biggest difference between a regular Plan F and a High-Deductible Plan F is the deductible amount. The only difference in plan details is that the High-Deductible Plan F requires you to meet a deductible before it begins covering you ($2,490 in 2022), whereas Plan F provides coverage immediately. In choosing the High-Deductible Plan F, you delay your coverage until you’ve met that higher deductible, so determine carefully whether you think you’ll be needing a large amount of medical care because once your deductible is met, your monthly payments will be much lower.