 [ Symptoms ] say i choose a health insurance plan with a high deductible 3 000 and a moderate premium 3 300 is not the true cost of annual coverage approximately 6 300 not 3 300 as i will have to meet the deductible before any cost sharing begins [ Disease ] that is the cost if you use enough services to meet your full deductible you also need to factor in any other out of pocket costs under the law insurers must cap you total spending at 6 350 per year but that amount does not include your premium which is the amount you pay each month for your health plan