A deductible is a fixed amount of money you have to pay before most, if not all, of the policy's benefits can be enjoyed. However, in many health insurance policies, you can use some services, like a visit to the emergency room or a routine doctor 's visit, without meeting the deductible first.
Even in the $15 range, there are plenty of good choices Jim Beam falls in that range, and Jim Beam is a wonderful whiskey. Even better, though, is Evan Williams hands down the best cheap liquor we tasted (and at 86 proof, the only one higher than the legal minimum of 80 proof).
Good liquor is surprisingly inexpensive if you cost it out. A shot poured from an $85 bottle of ambrosial 18-year-old Scotch comes out to less than you'd pay for a pint of Bud Light in most bars around the country. And that's with more than 16 servings to the bottle.