Basically, I'm looking to get new health insurance (my work insurance blows) and I have a choice between one that is $180 per month but with a 1,000 deductible and one that is $480 and has no deductible.
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Well, the deductible is how much you pay of covered services, BEFORE the insurance kicks in. So, you pay for the first 5-6 doctor visits, or the first couple of emergency room visits, or the first broken arm, etc, whatever adds up to $1,000, BEFORE the insurance pays one dime. If you don't see the doctor often, you'll be ahead of the game in three months.
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