insurance deductible

If you read enough advice columns, one fact will come through loud and clear: Personal finance experts hate lattes. But you don't have to give up your favorite addictions to reach your financial goals. And if you turn cutting costs into a crusade, you risk cutting into your quality of life.

Despite relatively stable rates for insurance premiums, the average U.S. family's health care costs will increase by 14% this year, thanks mostly to higher deductibles, according to a report released Thursday.