Not so fast, though! Some premiums are so high that over the course of the year, you’ll be paying more than you would if you’d purchased a lower premium plan and hit the deductible. Say you choose a plan that costs $450 with a deductible of $0. Over 12 months, you're dishing out a whopping $5,400. But what if you go for the $250 plan with a $2,000 deductible? That sounds like a ton out of pocket, but after the $3,000 over 12 months, breaking your arm, getting an STD, and having a weird mole removed (we hope not!), thus paying your whole $2,000 deductible (a teeny portion of your costs for all those disasters, by the way), you’re still only at $5,000 for the year -- $400 less than with the pricey plan.
Still following? If all that stuff doesn’t happen to you, you just saved even more money. Of course, you'll want to look at the coinsurance and copays for both of those plans, too, but this quick bit of math is a good start.