Doesn't a high deductible policy have lower monthly premium? Couldn't you have paid more for a policy with a lower deductible? The author chose the lower premiu

Doesn't a high deductible policy have lower monthly premium? Couldn't you have paid more for a policy with a lower deductible? The author chose the lower premiums and self insured (bet) they would not need to use it enough to meet the high deductible.