1. Deductibles
    A deductible is the amount of money you have to pay out-of-pocket before your insurance coverage kicks in. High deductible plans generally have lower monthly premiums, while low deductible plans have higher premiums. Unless you have a savings cushion to cover the cost of your deductible in the event you get sick, it’s best to find a policy with the lowest deductible combined with a monthly premium you can afford. If you know you’re going to have a lot of medical bills, it’s usually worth paying a higher monthly premium to get the lower deductible.