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High deductible health insurance scores higher on benefits from its traditional counterpart. A normal traditional health insurance plan works on copays and deductible principle and it can cover doctors bills, laboratory tests, and prescriptions even from the first day the initial deductible to be offered is much lower. High deductible plans can demand high deductible amounts even before the insurance company starts to meet your medical needs for tests and prescriptions. The qualifier for a HDHP is itself a huge one to the tune of $1000 while the average is $5000 dollars. Once the individual reaches his deductible amount, the insurance co., on its part kicks off with its one hundred percent full coverage that is sufficient and can no longer need any additional costs on the medical front. With benefits equally responsive on both traditional as well as high deductible plans it has been rather difficult to chose the type of plan and if you healthy and young with a backup of $5000 to cover sudden medical exigencies then high deductible insurance plan is ideally suitable for you. The arithmetic calculations with working on annual costs, the deductible for each premium and out of pocked additionals will determine the worthy plan and be sure that high deductible is a win win plan for you on all counts.