A deductible is the amount of financial responsibility you have to satisfy before your insurer pays any claims on your behalf. When you purchase a QHDHP, the deductible amounts are set by the IRS every year. Most deductibles are constructed on a per-person basis. Family deductibles are called “aggregate deductibles” and most often allow one or all of the family members to incur medical claims and work together to satisfy the family’s deductible.