But, as with other issues related to health insurance
, the level of the deductible needs to be set with your particular medical history in mind. If you frequently consult a medical practitioner and have regular prescriptions filled, it may not be in your interests to set a high deductible. But if you seldom ever need to consult a doctor, and you are purchasing health of insurance for peace of mind, a high deductible will save you money for all the years that you maintain good health.