Health Insurance 101: Should You Get a High-Deductible Plan?

When signing up for a health insurance plan, many people may initially gravitate toward a plan with a low premium. That’s the monthly fee you pay for your health coverage, so a low premium may seem like a less expensive option. However, plans with low premiums tend to come with high deductibles. What’s a high-deductible plan, and what are the pros and cons?

The “right” health insurance plan depends on many factors. Talk to an insurance representative if you need more help weighing your options and choosing your plan.

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Written by:

Lauren Smith, MA

Lauren Smith, MA, has worked in health journalism since 2017. Before joining GoodRx, she was the senior health editor and writer for HealthiNation.

Reviewed by:

Brian Clista, MD

Dr. Clista is a board-certified pediatrician who works in private practice in Pittsburgh, Pennsylvania. He previously served as a National Health Service Corporation Scholar in the inner city of Pittsburgh for 11 years.

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