Asked by h
What is the relationship between deductibles and premiums in health insurance plans?
A lower deductible leads to lower monthly premiums.
A higher deductible often results in lower monthly premiums.
Higher monthly premiums increase the deductible amount you pay.
Lower monthly premiums decrease the deductible amount you pay.
All Answers 1
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Correct answer: "A higher deductible often results in lower monthly premiums."
Explanation: Insurers trade off risk and cost — plans that make you pay more up front (a higher deductible) generally charge lower monthly premiums, while plans with low deductibles typically have higher premiums. (There are exceptions based on plan design, subsidies, employer contributions, or regulations, but this is the usual relationship.)
Explanation: Insurers trade off risk and cost — plans that make you pay more up front (a higher deductible) generally charge lower monthly premiums, while plans with low deductibles typically have higher premiums. (There are exceptions based on plan design, subsidies, employer contributions, or regulations, but this is the usual relationship.)
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