The choice of going for a higher deductible health insurance plan or a lower deductible private health insurance is tricks and a lot of factors weigh in before the decision can be made. Higher deductible is when you pay for the initial tests, prescription drugs and doctors’ fees out of your own pocket and the insurance kicks in only after it crosses certain limits and you need extra coverage. However, those people who are usually not healthy and need to pay frequent visits to the doctor should best stay away from the higher deductible health insurance plans.
Although the high deductible health insurance plan means that you have to pay lower premiums every month, it is not suitable for those who don’t want to take up high medical costs that come up initially. A better idea would be to shop around for a health insurance plan with a lower premium rather than going for a bigger deductible to lower it. The idea is especially bad if you are planning to get pregnant in which case you would need to visit doctors and have tests done quite frequently, a case where it is better to have lower deductible health insurance plan.