What Is A Deductible In Health Insurance? 
A deductible is the amount that you are responsible for paying on your health insurance policy . Depending on the policy , you may only have to pay the amount when you have a major medical claim . It is possible -LRB- especially with catastrophic policies -RRB- , the deductible will apply to other types of medical expenses . Typically , 100 % of preventive expenses are NOT subject to a deductible , and often office visits and prescriptions only are subject to a small copay . As an experienced broker -LRB- 33 years in the business -RRB- , our job is to effectively recommend the best deductible for our customers by researching and comparing the best options from the top-rated companies . 