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have you ever wondered if you should pick a high deductible plan or a low deductible plan stay tuned to find out all right welcome back to the health insurance basics series guys so today were going to be talking about high deductible plans versus low deductible plans now if you dont know what a deductible is go back and watch my video on health insurance terms explains it in depth there im not going to go into that here im just going to assume its knowledge there but buckle up im going to try not to get too much in the weeds here but its a little bit complicated so we got high deductibles over here low deductible over here so first thing to know a high deductible plans got a lower premium and a higher premium on the lower deductible plan so who might be a good person for a low deductible plan so one of the first things i may look at is pass usage so do you use the doctor a lot do you have medications that are expensive that need covered so lets say you take a brand name medic