When choosing health insurance, it's essential to consider the overall cost.
Factors like premiums, deductibles, copays, coinsurance, and out-of-pocket maximums all impact what you'll pay.
The monthly amount you pay for health insurance. Lower premiums usually come with higher out-of-pocket costs for care, and vice versa.
The amount you need to pay out-of-pocket before your insurance starts covering expenses. Unless, you have a copayment before your deductible is met.
The share of costs you pay when you receive care. Copayments are fixed, while coinsurance is a percentage of the cost of care.
The maximum amount you will pay during a policy year before your insurance coverage at 100%.
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