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The amount you pay for covered health care services before your insurance plan starts to pay. Deductible is the amount that a policy holder has to pay before the insurance company starts paying up. What is Deductible in Health Insurance? A deductible is an amount the insured has to pay as part of a claim whenever it arises, and the rest of the amount is paid. A health insurance deductible is the amount of money you pay out of pocket for healthcare services covered under your insurance plan before. What is a deductible? A deductible is the amount you pay for health care services before your health insurance begins to pay. Health insurance deductible is the amount you must pay from your own resources before the insurer pays towards the policy coverage.