Californians: What health care insurance have you recently signed up for?

The most affordable private insurance has a very high deductable and co-pay. You have to pay all of the initial expenses out of your pocket.

Our company provided insurance has increased the deductable and the co-pay, reduced many of the other benefits, and reduced the premium.

How high of a deductible/co-pay are we talking about? I mean I’m just wanting check ups and vaccines at this point in my life.

There are many versions of insurance available. You can get your questions answered by calling an insurance agent and asking them.

A common deductable is $1,000 – $1,500 per person.

Check-ups and vaccinations are usually charged for as co-pays, but you still may have to go over the deductible before there is insurance coverage. (You pay for all doctor related items until you reach the deductible.)
Ask an insurance agent.

Sorry I’m new to all this. What exactly is a deductible and how does it work as it pertains to health insurance

You pay ALL costs for doctors / hospital visits up to a deductible amount.

Example—>5 visits to Dr @ $85 plus one emergency visit @ $550 equals $975, if you have a $1000 deductible you will pay for all the visits and have to pay $25 more to get to insurance coverage.
Once again go talk to an insurance agent.