Choosing Your Student Health Insurance Deductible

If you have been searching for affordable student health insurance, you have no doubt come across a wide range of deductible options. How do you know which one to pick?

A deductible is the amount of money you must pay out-of-pocket for any medical claim (e.g. hospital stays or other medical treatment), before the health insurance company pays its portion. For a student health insurance plan, deductibles can vary from $500 to $5,000 or more.

You know your health status better than anyone else, which will help you choose the right student health insurance deductible for your needs. If you’re the average student–young and in generally good health–you’ll probably want to stick to the upper end of the range. Your monthly premiums will be lower, and you’re relatively less likely to use that annual deductible.

On the other hand, if you have a pre-existing condition that makes you more likely to use more health care services, you may want to choose a lower deductible. Your student health insurance cost will be slightly higher as a result, but it may be worth it.

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