How Does An Health Insurance Deductible Work? 
A health insurance deductible is the amount you pay before a specific claim is paid . It does not apply to all benefits , and different deductibles are available . Typically , the deductible is between $ 500 and $ 2,500 although there are both higher and lower options . An HMO often does not have a deductible to meet . Once you have satisfied the deductible requirements , only a coinsurance may apply . Keep in mind that preventive benefits are usually not subject to the deductible and often office visits and prescriptions are subject to copays only . As experienced brokers , part of our job is to find the best plans at the lowest available rates that meet your budget and include a deductible that is acceptable to you . 