When many people think about health insurance rates, they presume one steady price. Unfortunately, it is never this easy. You have to understand that premiums and deductibles are not the same thing. As a general rule, when one goes up, the other goes down. As to which plan you choose, this depends largely on what your needs are. If you pick a low premium, you will be paying very little per year, or whenever you have arranged your premium payment. When you end up in the doctor’s office, however, you are going to end up paying an astronomical deductible.
What’s crucial to remember about premiums and deductibles is that you should pick payments and rates that are going to work for your income and health. In other words, if you are in great health and don’t think that you will need to go to the doctor’s office very often, then you will probably be able to get away with a low premium for awhile. If you know that you will be going in for tests and treatment, however, then you are going to want to make sure that you have a reasonable deductible.
This may be an oversimplification of premiums and deductibles, but this details makes for a good starting point. Your next step should be to find out what kinds of plans are available to you by getting some free quotes online. There is no better way to find out what kinds of rates you will be looking at. This is also the best way to get great, affordable coverage.