Understanding Health Insurance Deductibles and Copays
Healthcare Advisor
February 07, 2026
8 min read
2,247 views
Demystifying health insurance terminology. Learn about deductibles, copays, coinsurance, and out-of-pocket maximums.
What is a Deductible?
The amount you pay before insurance kicks in. Higher deductible = lower premium.
Understanding Copays
Fixed amount you pay for each visit or service. Usually $20-50 for doctor visits.
Coinsurance Explained
Percentage you pay after meeting deductible. Usually 20% of costs.
Out-of-Pocket Maximum
Maximum you'll pay in a year. After this, insurance covers 100%.
