A deductible is an amount you are willing to be responsible for before the insurance starts to pay. In essence, you are self insuring until you reach that dollar amount whether its $2,500,  $5,000, 10,000 you will be responsible for that portion of the bill. Some plans have first dollar coverage benefits that are paid regardless of the deductible. However, not all types of insurance plans carry a deductible. We can discuss all these factors.