Health Insurance
Premium, deductible, copay, coinsurance, out-of-pocket max — translated into normal English.
Health insurance has four moving parts you pay: the monthly premium, the annual deductible, the copay per visit, and the coinsurance % after the deductible.
The out-of-pocket max is your worst-case ceiling for a year of covered, in-network care.
The vocabulary you need
What you pay each month for coverage.
What you pay out of pocket each year before insurance covers most things.
Flat fee per visit, like $30 to see a primary care doctor.
Your share after meeting the deductible (e.g. 20%).
The most you'll pay for covered, in-network care in a plan year.
Health Insurance Visit Cost Calculator
Estimate annual cost across premium, deductible, copays, coinsurance, and visits.
Health Insurance Visit Cost Calculator
Estimate annual cost across premium, deductible, copays, coinsurance, and visits.
What you pay each month for coverage.
Amount you pay before insurance starts paying.
Amount counted toward this year's deductible.
Flat fee per visit.
Your share after deductible.
Negotiated price per visit.
Expected visits this year.
Worst-case in-network ceiling.
"Total annual cost" is what the plan really costs you this year — premiums plus what you pay at the point of care. Compare this across plans, not just the premium.
Where this comes from
Verifiable, publicly available sources you can explore further.