What is a Single Plan? A Single Deductible? Consider this your Health Benefits 101. A “deductible” is the set dollar amount that you must pay before the insurance company pays. A single deductible applies to a single plan, so your plan’s deductible amount is based upon having a single or family plan. A single plan deductible is sometimes called a “Single Deductible” and is generally a different dollar amount than a family plan deductible.