6 / 10
Your plan this year
Premium$400 / month
Deductible$2,000
Primary care copay$30
Coinsurance20%
Out-of-pocket max$6,000
🌤️
Situation 6 · The good year
You stay healthy all year. No visits, no prescriptions, no claims.
What did the plan cost you?
Correct!
Not quite.
The premium is the number that matters, and it is the only one you pay whether or not you use the plan: $400 times 12 months is $4,800. The deductible is not a fee. You owe nothing toward it unless you receive care. This is why a plan with a higher premium and lower deductible can be poor value for someone who rarely sees a doctor, and good value for someone who does.