2026.1.4原文：Increasing your health insurance deductible to lower monthly premiums makes financial sense only if you maintain an emergency fund large enough to cover that deductible without causing financial strain.
译文：提高健康保险免赔额来降低月保费，只有在你维持足够支付该免赔额且不会造成财务压力的应急基金时，经济上才合理。
