How much health care do you use? Rx, doctor visits, general health? If you’re young and healthy and don’t take medications and maybe do one check up a year, you will be unlikely to reach your deductible—ever. If you take medication, have a chronic health condition that requires regular doctor visits, need to have surgery, etc. then you might reach that annual deductible of $2,000, then the coverage will pay 80% of costs up to your out of pocket maximum. Or if you get hit by a car and end up in the ER, this can also be reached easily. How risky is your life? Do you regularly sky dive, mountain ski jump, etc.? If you’re like most people, the answer is a low risk lifestyle, as well.