What is a deductible? Is it a good thing or a bad thing? Do you want a low deductible or a high deductible? I ask because while trying to find some affordable health insurance, one company said it was $45 a month with $0 deductible. What does this mean?
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The deductible, is the amount out of your pocket, before the insurance kicks in. Having a deductible, lowers your monthly premiums. There's no one size fits all answer, to "is it good to have or not". But that $45 a month with no deductible - isn't INSURANCE. They don't PAY anything. It's access to a DISCOUNT plan - with no guarantees that the doctors on the list will actually give you a discount. Can you spell "ripoff"?
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