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Hi, Im here to help you learn about your high-deductible health plan. Over the next few minutes, youll discover what it is and how it works. With a high deductible health plan, you often pay a lower premium in return for having a higher deductible. The term deductible simply means the amount you need to pay out of your own pocket for medical expenses before your insurance kicks in. Just so you know, most medical services like doctor visits, MRIs and most prescriptions count towards your deductible. Another thing to keep in mind, you pay nothing for preventive care like annual checkups. Okay, let me give you an example. Say you go for a jog and you trip. It happens, but this time you break an ankle. An ambulance ride, surgery and some physical therapy later, youre feeling better, but you now have a ten thousand dollar hospital bill. Lets say your deductible is two thousand dollars. That means you have to pay two thousand dollars out of your own pocket before your insurance coverage