I am a healthy 35 year old female and need to get health insurance. It's all very confusing to me and I want to choose an affordable option that's right for me. I rarely go to the doctor. The way I understand it, if I choose an option that's $100 a month and has a $10,000 deductible, am I correct in thinking that I have to pay all costs in full icluding visits and prescriptions, until I meet $10,000 per year? Even if I were to choose a higher monthly option with a $3500 deductible, I still wouldn't meet that $3500 deductible. It seems that the only way I would actually benefit is if an emergency situation came up, like a hospital visit. I'm really confused and don't understand the benefit if I pay everything out of pocket until I reach that yearly deductible amount. Can someone please help me understand?