One of the most common questions our Advisors here at MyInsuranceExpert.com have is “what is a deductible?” Clients will even explain that they don’t see the point in buying insurance if they have to meet a $2,500 or a $5,000 deductible before their insurance will pay anything. That belief is one of the biggest misconceptions people have about health insurance, and a lot of time actually prevents them from getting the coverage they need.