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Health Insurance 6:40
Deductibles, Copays & Out-of-Pocket Maximums Explained
Demystify the most confusing health insurance terms so you can compare plans with confidence and avoid surprise bills.
Key Takeaways
- Deductible: what you pay before insurance kicks in. Copay: a flat fee per visit.
- Coinsurance is the percentage you pay after meeting your deductible.
- Out-of-pocket maximum caps your total annual spending — after that, insurance pays 100%.
- Preventive care (annual physicals, vaccines) is usually free even before meeting your deductible.
DeductibleCopayOut-of-PocketHealth Insurance Basics
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