Can someone explain how deductable works on health insurance?

I need to choose an insurance plan but I don't know what deductable means, or how it works. A simple explanation will help Thank you
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A deductible is the amount of money you have to pay a year towards your bill before your insurance starts paying. Every insurance company is different so call them for specifics. Deductibles usually do not apply for regular doctor visits. They have a copay or coinsurance and the money you pay does not go towards the deductible. Diagnostic tests, outpatient procedures and hospitalization is where you will see deductibles. Insurance company keeps a running total for the year, meaning that once you meet the deductible you do not have to pay it again until in resets at the end of the year. If you have a $300 deductible and your medical bills are $2000 for the year, you pay the first 300 of the bill then the insurance company will pay most of the rest of the outstanding $1700. Hope that helps
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