New York Times  Feb 5  Comment 
Research shows higher deductibles reduce spending, but it does not show that they lead workers to compare prices or make wise choices on where to cut.
Insurance Journal  Dec 17  Comment 
The Massachusetts Division of Insurance recently denied a request by Mapfre USA Corp. to add an ice-dam deductible to some homeowners policyholders who previously had multiple ice-dam claims. Mapfre USA Corp., the largest commercial home insurer...
Insurance Journal  Dec 15  Comment 
Officials say a Delaware city has paid its $15,000 insurance deductible in settling a lawsuit filed by the American Civil Liberties Union after a white police officer kicked a black suspect in the head and broke his jaw Officials confirmed …  Nov 20  Comment 
The Affordable Care Act has presented a new set of money conundrums but I no longer feel I’m playing Russian roulette with my health and my finances Winter is almost upon us and with it another test for Obamacare. No, it hasn’t proved a...
New York Times  Nov 14  Comment 
For many consumers, the sticker shock is coming not on the front end, when they purchase Affordable Care Act plans, but when they get sick and are hit by sky-high deductibles.
Insurance Journal  Nov 5  Comment 
Louisiana Citizens Property Insurance Corp. may soon end the longstanding, and apparently unique, practice of selling policies that include a $10,000 deductible for non-hurricane damage. Chief Financial Officer Steve Cottrell tells The Advocate...
New York Times  Sep 25  Comment 
Despite gains in the number of Americans with health insurance, employers are continuing to shift costs to workers in the form of higher deductibles.
Forbes  Sep 23  Comment 
Sometimes when you win, you really lose, and sometimes when you lose, you really win, and sometimes when you win or lose, you actually tie, and sometimes when you tie, you actually win or lose.
NPR  Sep 22  Comment 
More companies are adding deductibles to the insurance plans they offer their employees. And for people who already had to pay deductibles, the out-of-pocket outlays are growing.
New York Times  Sep 22  Comment 
The costs have risen more than six times faster than workers’ earnings since 2010, Kaiser Family Foundation calculates, prompting some to forgo care.


A deductible is the amount that a policy holder is responsible for paying per accident before his/her insurance policy kicks in. Deductibles vary by state, but are most often specified in amounts of $100, $250, $500 or $1,000. For most insurance companies, the higher your deductible, the lower your premiums. In other words, if you're willing to pay higher out-of-pocket costs, you can lower the total cost of your insurance. For example, if you are in an accident that causes $7,500 worth of damage and your deductible is $500, you are required to pay $500 before your insurance company takes care of the remaining $7,000.

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