Individuals and families with health insurance are responsible for a lot more than a once-a-month payment. What you pay for and how much you pay depends on several factors, including:
Monthly premium: A flat fee you pay once a month to have health insurance.
Co-pay: A defined amount paid each time you receive a certain service or treatment.
Deductible: A defined amount you must pay during the year for services and treatment before the insurance company increases its contribution. Out-of-pocket costs: Total expenses that are not covered by insurance. They can include co-pays and deductible costs.