Most major medical health care plans offer a variety of deductibles. Deductibles can be as low as $500 or as high as $25,000 depending on your resident state. The higher your deductible the lower your Health Insurance Premiums will be and vice versa. So if you are on a tight budget, it may be advantageous for you choose a high deductible health plan in return to lower your health insurance premiums. Also, there are Health Insurance Quotes for individual family plans that offer many benefits that you do not have to meet a deductible such as wellness exams and prescription benefits. Be sure to ask your agent which benefits are subject to the deductible and which deductible fits your needs.