Deciding on a health insurance plan can be confusing. We are here to let you know which benefits are most important, so you can make an informed decision. Deductible The most important part of any health insurance plan is the deductible. A deductible is the amount of expenses that must be paid out of pocket before an insurance carrier will cover any expenses. Most deductibles can range from $1,000 to $5,000. As a general rule, lower deductible plans tend to have higher monthly premiums, and higher deductible plans tend to have lower monthly premiums.