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Confused as to what type of deductible fits your needs? Take this quiz to find some answers!

What Type Of Healthcare Deductible Is Right For You?

How old are you?

Do you have a chronic illness?

for example:
do you work as professional skateboarder or work in construction?
eat poorly?
smoke?

Do you generally partake in risky behavior?

You are a young, healthy individual who does not have any chronic illnesses and does not participate in risky behaviors, whether they be work related or not. However, you do want to be covered to a certain degree should the worst happen! Your deductible is high so if you do end up in an emergency, you may pay more out of pocket. However this high deductible will keep your premium lower.

High Deductible Health Plan

You are most likely an adult between the ages of 35-50 and/or you are generally a healthy person with some factors that put you at higher risk for needing medical attention. Choosing a mid range deductible will keep your premiums lower than those with low deductibles, but will help you feel secure should more care unexpectedly become necessary.

Mid Range Deductible

You are most likely an older adult, between the ages of 50-64 and/or you have a chronic illness. While choosing a low range deductible may cause your premiums to be more expensive, it will help to balance your maximum out-of-pocket costs and will allow for more coverage of your prescriptions, doctors visits, and any necessary emergency care.

Low Range Deductible 

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What Type Of Healthcare Deductible Is Right For You?

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