What Does It Mean To Have A Health Insurance Deductible? 
A health insurance deductible is very common . Typically , it is approximately $ 500 - $ 5,000 -LRB- Yes ... that is a big range -RRB- and it applied to major medical claims and often ER visits , inpatient surgeries and outpatient procedures . Usually , depending on the policy office visits and many prescriptions are not subject to the deductible . Of course , a higher deductible will lower your rates . 