For someone with few health issues, what type of health insurance deductible is preferable?

For someone with few health issues, a high deductible health insurance plan can be preferable because it typically comes with lower monthly premiums. This can make it more affordable in the long run for individuals who do not require frequent medical care or who are generally healthy.

A high deductible means that the insured will have to pay more out-of-pocket before the insurance starts to contribute. For those who do not anticipate needing much healthcare, this can be a cost-effective choice. The savings on monthly premiums might be significant, allowing individuals to allocate funds to cover their deductible if necessary, while keeping healthcare costs lower overall.

In contrast, a low deductible usually results in higher monthly premiums, which might not be worthwhile for someone who does not frequently utilize health services. Other options, such as no deductible or variable deductible plans, can also lead to higher costs for individuals who are in good health and do not seek regular medical attention.