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For housing near this school, what deductible difference should a Luther household include when comparing 2026 medical plans?

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University of Texas at San Antonio

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Luther College

The guide’s in-network deductible is $1,500 single/$3,000 EE+1 or family for the PPO, versus $3,400 single/$6,800 EE+1 or family for the HDHP. These are plan-summary amounts, not all medical costs; the Summary Plan Description controls exclusions.

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