Out-of-pocket costs are what you must pay when you get care. These costs depend on how much care you actually get and your yearly out-of-pocket maximum. Once you hit this limit, your insurance pays for all of your care. There are 3 types of out-of-pocket costs:

Deductible: The set amount you pay for care before we start helping with the cost. Premiums and copays don't count towards this amount.

Copay: The set fee you pay each time you use a certain medical service covered by your plan. You either pay this or coinsurance.

Coinsurance: The percentage of the cost you pay each time you use a certain medical service covered by your plan. You either pay this or a copay.