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Deductible means decreasing or lowering. The rates of the premium of the health insurance are deducted. If you see the coverage of bills in the health insurance of many insurance companies will not cover the drugs bills, and emergency service bills. But in the case of this plan all are covered for the low rate of premium and this shows that this plan have benefits more than that of the other plans you will clearly know this when you do health insurance comparisons. You can see many people are facing difficulty in paying their medical bills because it is increasing due to the advancement in the medical field. Many people say that there are many insurance plans which will help you to the medical bill but the truth is when the cost of the medical bill increase the rate of the premium that should be paid for the health insurance is also increase that is a new concept called high deductible health plan is introduced to minimize the rates of the premium. Even though the rates of the premium are less it the protection given to the people is same as the other plans. Before you know the benefits of the plan first you must know the meaning of the HDHP.