Egenandelen er høy.

Because Norwegian usually puts the definite article on the end of the noun instead of using a separate word like the.

So:

• en egenandel = a deductible / copay / excess
• egenandelen = the deductible / copay / excess

The ending -en is doing the job that the does in English.

The dictionary form is egenandel.

Its most common forms in Bokmål are:

• en egenandel = indefinite singular
• egenandelen = definite singular
• egenandeler = indefinite plural
• egenandelene = definite plural

In Bokmål, egenandel is normally a masculine noun:

• en egenandel
• egenandelen

That matters because adjective forms in Norwegian often depend on the noun’s gender and number.

This is the normal word order for a simple statement in Norwegian:

subject + verb + complement

So here:

• Egenandelen = subject
• er = verb
• høy = adjective describing the subject

It works very much like English The deductible is high.

Er is the present tense of å være = to be.

It is used because the sentence describes a quality of the subject. The sentence is saying that the deductible is high, not that someone has something or does something.

Because høy is the correct form for a singular masculine noun in this kind of sentence.

Compare:

• Egenandelen er høy. = masculine singular
• Beløpet er høyt. = neuter singular
• Prisene er høye. = plural

A useful point: after er, the adjective is in predicate position. In predicate position, Norwegian adjectives agree with gender and number, but not with definiteness. So even though egenandelen is definite, høy is still correct.

Yes. Høy is very commonly used for prices, costs, fees, levels, and amounts.

So Egenandelen er høy is perfectly natural Norwegian, just like The deductible is high in English.

Usually not, if you want the same neutral meaning.

• Egenandelen er høy is the normal sentence.
• Egenandel er høy sounds incomplete or unnatural as a standalone statement.
• Den egenandelen er høy usually means that deductible is high, with extra pointing or contrast.

Also, den is used in a different pattern when you have an adjective before a definite noun:

• den høye egenandelen = the high deductible

But in Egenandelen er høy, you do not need den, because definiteness is already built into egenandelen.

You would say den høye egenandelen.

This is a good contrast:

• Egenandelen er høy. = The deductible is high.
• den høye egenandelen = the high deductible

Why the change?

• In Egenandelen er høy, høy comes after er and stays in predicate form.
• In den høye egenandelen, høye comes before the noun, so it takes the definite adjective form.

Not exactly. Egenandel is a broad Norwegian word for the part you pay yourself.

Depending on the context, English might use:

• deductible
• copay / co-payment
• excess

So the exact English word depends on whether the topic is healthcare, insurance, travel, and so on.

A rough learner-friendly guide is:

• egenandelen ≈ EH-gen-an-deh-len
• er ≈ ehr
• høy ≈ hoy, but with a more rounded vowel than in English

The hardest word is usually høy, because its vowel does not match English perfectly. The best way to learn it is to hear native audio and imitate it.