No, $13.4K before the insurance company starts chipping in. Also that would be total deductible for the family; there's a lower deductible per individual. (I.e., the deductible might be $2.5K per individual, and $6K for the family.) So if one person needs more medical care, the insurance company kicks in once you've paid $2.5K (or whatever amount) for that person's care.