When choosing a health insurance deductible, you should only think about lowering your premium, but also focus on the health issues you face as well as the frequency of claims you are expected to make in a financial year. If you are expecting low medical expenses, then you can go for a higher deductible plan. But if you are someone who would not want to pay an extra amount at the time of claim, then you should avoid going for voluntary deductibles or opt for a very less amount.