Im in a good health and i go for docors visit once a year.Not sure do i go for high or low deductible.I really need good advice on this.
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If you seldom use the insurance a higher deductible will save you money in the long run. Many plans have doctor visits and/or physicals that are not subject to the deductible. This means you just pay the co-pay. You just need to make sure that lab work and X-ray services are also not subject to the deductible. For most policies the deductible only comes into play when you go into the ER or the hospital. I just sold a lady a $2500 deductible which was $101 per month less than a $1500 deductible. She saves $1200 per year on her premium. Even if she went into the hospital once per year she would still be $200 ahead.
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