You pay more first
High deductible means you pay that amount for your care, first, before your insurance
starts to kick in and help you pay.
There may be some exceptions to this. If you are relatively healthy, this may be a good option. For example, if you increase your deductible $1000, your monthly premium may decrease $100($1200 per year) potentially saving you $200. Discuss options with your agent. Dr l.