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In this tutorial, you'll learn about high deductible health plans (HDHPs). These plans typically feature lower premiums but require higher deductibles. A deductible is the amount you must pay for medical expenses before your insurance starts covering costs. Most medical services, such as doctor visits, MRIs, and prescriptions, count toward this deductible. However, preventive care, including annual checkups, is covered without any out-of-pocket expense. For example, if you incur a $10,000 hospital bill with a $2,000 deductible, you'll need to pay the first $2,000 before insurance coverage begins.
