Definition: The term "health insurance high deductibles" refers to a policy where an individual or group has a higher monthly premium than their out-of-pocket costs, which can be difficult for them to manage due to financial constraints. A high deductible is typically used in health insurance plans that require the patient to pay more for services that are covered under the plan. The exact definition of "high deductible" may vary depending on the specific type of policy and state laws. Generally, a high deductible means that the monthly premiums or annual premium charged by the insurance company exceed the out-of-pocket costs for the plan's services. The amount of the deductible can be set by the insurer and varies from one year to another.
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