"Lower deductibles" refers to a situation where you have to pay less money out of your own pocket before your insurance coverage starts. Full definition
Insurance plans with lower deductibles tend to have a higher monthly premium, but will start paying for medical bills more quickly. (simplyinsured.com)
I also had 2 additional options for lower deductibles but the monthly premium was higher. (caninejournal.com)
Choosing lower deductibles will increase rates, but policies will stretch further. (bankrate.com)