The deductible for percentage-based comprehensive plans are satisfied once in a policy period. This means that the insured person is responsible for one deductible, throughout the entire coverage period. Whether the insured person needs to go to the doctor, multiple times for the same ailment, or for different ailments, the deductible would apply only one time. After the deductible is met, depending on the plan you choose, the insurance would cover a percentage of the bill, ranging from 75% to 100%.
If there is more than one person on the policy, then the policy maximum and deductible would apply separately to each person.
For example, if someone opts for a combined policy for the primary insured and spouse, with a $50,000 policy maximum and a $250 deductible, then the $5,000 policy maximum would apply separately to the primary insured person and the spouse. So each of them would be covered for up to $50,000.
Similarly, the $250 deductible would also apply separately to the primary insured person and the spouse. It is basically the same has having two separate policies. Usually it is better to buy the plans separately. It does not make any difference to the premium or benefits, but provides more flexibility.
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else