In my experience, a decent number of health insurance plans carve out an “individual” deductible separate from the “family” deductible. This is sometimes referred to as an embedded deductible system. Since I prefer simple terms, I normally call it a “per-person” deductible. I like this model. If you are lucky enough to have it, it can help mitigate the financial risk of individual family members. Unfortunately, the concept often goes misunderstood by patients and their...
