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For example, if you choose a high deductible policy, you will pay less in premiums. In a claim, you will pay far more due to the deductible. If you are in good health, don't have any accidents, and everyone on your plan is lucky enough to stay healthy, then a lower premium and higher deductible plan will work out great. If the opposite happens though, you may end up paying a lot more. To evaluate the cost of health insurance, you really need to look at how much you will have paid by the end of the policy term, once all your medical appointments, medications, preventative care or emergencies have been factored in.
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