Low deductible high premium but analyze: optimal choice? Map health insurance: deductible vs. premium vs. expected usage. Calculate: low deductible plan vs. high deductible HSA vs. total cost. Show me the deductible reality: high deductible often better for healthy people. Give me the truth: consider high deductible with HSA. Include: what my health usage is, which plan costs less total, if should switch to high deductible.