Insurance Deductibles: What the Evidence Shows
Most households pay far more to lower their insurance deductible than the extra cover is worth. When that is a mistake, and when it is not.
Your own actions move the odds or the size of the loss substantially.
Most households pay far more to lower their insurance deductible than the extra cover is worth. When that is a mistake, and when it is not.
Turbulence causes more than a third of US airline accidents, and most serious injuries fall on flight attendants. Of 26 seriously injured passengers, one wore a seat belt.
File photo: a ski lift above a snowy slope. Photo: DimiTalen, via Wikimedia Commons, CC0. In the news · September 2026 The National Ski Areas Association’s end-of-season report found that helmets were worn on 94% of U.S. skier visits in 2025-26, up from about 25% in 2002-03. Use was lowest in the Midwest (88%) and…
File photo: a swimming pool. Photo: Marc Ryckaert (MJJR), via Wikimedia Commons, CC BY 3.0. In the news · March 2026 Researchers followed 167 Portuguese competitive swimmers over six months, 75 of them with shoulder injuries and 92 without. Swimming-adapted questionnaires (ASES-swim, SSV-swim) distinguished injured from healthy swimmers better than generic shoulder scores, with ASES-swim…
US measles cases went from 285 in 2024 to 3,471 by September 2026. How contagious measles is, how well the vaccine works, what immune amnesia is, and where the famous numbers are firmer or softer than they sound.
File photo: whole wheat bread. Photo: Stacy Spensley, via Wikimedia Commons, CC BY 2.0. In the news · September 2026 A meta-analysis of 87 randomised trials, published in the European Heart Journal, found the greatest cardiometabolic benefit at 60 to 100 grams of wholegrain a day, around four to six servings. Benefits included lower weight,…
File photo: raw salmon fillets. Photo: FULVIO_TOGNON, via Wikimedia Commons, CC0. In the news · June 2026 A two-year placebo-controlled trial of 365 adults aged 55 to 80 at raised Alzheimer’s risk, published in eBioMedicine, tested 2,000 mg of DHA daily. Brain fluid DHA rose 17%, yet memory, cognition and hippocampal shrinkage did not improve…
File photo: bananas and apples. Photo: Hans Braxmeier, via Wikimedia Commons, CC0. In the news · July 2026 University of Vermont researchers, writing in the American Journal of Clinical Nutrition, argue that blood pressure guidance focuses too much on cutting sodium. They say raising potassium from fruit, vegetables, legumes and dairy should be paired with…
File photo: pumpkin seeds. Photo: Daniel Schwen, via Wikimedia Commons, CC BY 3.0. In the news · September 2026 A 12-month double-blind placebo-controlled trial enrolled 105 zinc-deficient nursing home residents aged 65 or older (84 finished). By month 8, everyone taking 60 mg/day elemental zinc reached adequate blood levels, versus 46.4% on 30 mg/day and…
File photo: a protected bicycle lane in Burlington, Vermont. Photo: Ezekielf, via Wikimedia Commons, CC0. In the news · July 2026 Great Britain recorded 79 pedal cyclist deaths, 4,311 serious injuries and 16,042 total cyclist casualties in 2025. Over 2004-2025, cyclist deaths fell 41% while serious injuries rose 34% and cycling traffic grew 42%. About…