05/20/2026
One of the most common questions I hear is:
โ โWhy am I paying so much for health insurance if I still have a deductible?โ
A big reason is because many people misunderstand what health insurance is actually designed for.
Health insurance is primarily built to protect you from the BIG, unexpected expenses:
๐ฅ Hospital stays
๐ Emergencies
๐ฉบ Surgeries
๐ Major illnesses and ongoing treatment
Not necessarily to make every minor doctor visit or prescription free or inexpensive.
Thatโs why many plans today come with higher deductibles โ because the real purpose of insurance is financial protection against catastrophic medical bills.
The challenge is that many people are paying for plans that donโt actually fit how they use healthcare.
Understanding how health insurance works โ and what itโs intended to do โ can help you make far better decisions when choosing coverage.