12 Secrets About Private Health Insurance Quotes You’ll Wish You Knew Earlier

8. The Deductible Trick No One Warns You About

You think you’re covered — but then comes the shocking bill.

Why?

Because your plan has a high deductible buried in the details.

Here’s how it works:

• You pay everything out-of-pocket until your deductible is met
• Even “covered” services don’t count unless it’s after the deductible
• Some plans make it hard to hit the deductible at all

Insurance companies often highlight the low premium in bold — but the deductible? That’s hidden in the fine print.

Many only realize this after they’re stuck paying $3,000 to $7,000 before insurance kicks in.

Still think you’re saving money?