What typically starts at a deductible of $1,100 in health insurance?

A high deductible health care plan generally has a deductible starting at specific higher amounts, often around $1,100 or more. This design is intended to lower premiums while encouraging consumers to be more mindful of their healthcare spending since they have to pay more out-of-pocket before their insurance benefits kick in.

These plans often pair with Health Savings Accounts (HSAs), allowing individuals to save money tax-free for medical expenses. The higher deductible can make these plans appealing for individuals who are generally healthy and do not expect to incur many medical costs, as they can save on premiums while covering expenses out of pocket until they reach their deductible.

On the other hand, standard health plans and comprehensive insurance plans typically have lower deductibles and offer broader coverage with less out-of-pocket expense required before benefits start. Basic health plans usually provide the minimal required coverage but also don’t specifically start at a high deductible like a high deductible health care plan would.