What happens when our political party becomes the prism through which we see every other aspect of our identities?
What we 're living through, I think, is really the two parties taking opposite sides on whether we want to keep
making this type of social progress or whether we want to go back in time.
Listen to NPR's Code Switch podcast in the NPR app or wherever you get your podcasts.
You're listening to Life Kit from NPR.
Hey, it's Marielle.
Today we're talking about health insurance, specifically high deductible health plans.
High deductible health plans are common in the U.S.
A lot of people choose them because they have much cheaper premiums.
And premiums are what you pay every month just to have the insurance, even if you don't use it.
If you get your insurance through work, these will come out of your paycheck.
The thing is, high deductible plans also have high deductibles.
Your deductible is the amount that you have to pay for covered services before your insurance starts sharing costs.
This is Jackie Fortier.
She's been reporting on high deductible health plans for an NPR and KFF health news series called Healthcare Helpline.
Now, sharing costs means that after you 've paid a certain amount out of pocket,
your deductible, your insurance will pay a portion of each medical bill and you 'll pay the rest.
Could be an 80-20 split, a 70-30 split.
It depends on your plan.
A lot of folks sign up for high deductible plans because of the cheap premiums, but then they get surprised later.