What is a deductible? | made with ngram

About the video

This video was created by ngram to explain what a health insurance deductible is and how it works. Using HTML/CSS motion graphics, the video walks through the concept step by step: a deductible is the amount a person pays for covered health care before their plan starts sharing costs. It illustrates this with a hypothetical two-thousand-dollar deductible, showing a bar filling up as covered care is paid for. The video then clarifies that once the deductible is met, care is not necessarily free — a copayment or coinsurance usually still applies, with the plan covering the remaining cost. It also notes that many plans cover certain services, such as some preventive care, before the deductible is met, and encourages viewers to check their own plan details. The scenes are structured around five clear beats: what a deductible is, the dollar-amount example, what happens after the deductible is met, care covered before the deductible, and a closing recap. ngram built this explainer using motion graphics to visually represent the filling deductible bar and cost-sharing structure, paired with a clear, instructional script designed to make an often-confusing insurance concept easy to understand at a glance.