Plans with a deductible &quot;over $1,000&quot; usually have deductibles <i>well</i> over $1,000, e.g. $3,000 to $6,000+, and only cover something like 20% costs <i>after</i> the deductible.<p>So, neglecting the annual limit, the $1,529 vs. $186,955 appendectomy situation wouldn&#x27;t be $1,000 vs. $1,000, it would be more like (with $3,000 of unused deductible at the time of the procedure) $1,529 vs. $39,791.