Why Is My Health Insurance Deductible So High? 
Your health insurance deductible is determined by the plan you signed up for . Catastrophic and bronze plans have your highest deductibles , silver is your mid level plan , and gold and platinum are your lowest deductible plans . The lower the deductible , the higher your premium . The reason for this is carriers offer a lower premium in exchange for you taking on a larger share of the risk of healthcare expenses . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much . 