How does a health insurance deductible work?
Quick Answer
A deductible is the amount you pay out-of-pocket for covered medical services before insurance starts paying. Once you hit the deductible, you typically pay just copays/coinsurance until you hit the out-of-pocket maximum. Resets each plan year.
Warren Team
Updated November 29, 2025
38
Warren Team
Updated November 29, 2025
38
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