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Committee to Protect Health Care @protecthealthcare.medsky.social

The U.S. health care system isn't exactly user-friendly, but we're here to help translate. Swipe for the four terms that you need to know for the next open enrollment period and let us know if you have any other questions about navigating health insurance in the comments.

Premium: paid every month. Your monthly fee to stay covered, even if you never see a doctor.Copay: flat fee at every visit. Your copay is a set dollar amount you pay at every appointment. It usually doesn't count towards your deductible. Primary care copays are typically lower than specialist copays.Deductible: pay-first threshold. The deductible is the total amount you must pay each plan year before insurance starts sharing costs. Premiums do not count towards the deductible. After the deductible is met, you'll still owe copays until you hit your out-of-pocket max.out-of-pocket max: cap on how much you pay. The out-of-pocket (OOP) maximum is the most you'll pay for covered care in a plan year. It adds up your deductible, copays, and coinsurance, but not premiums. Once you hit this limit, insurance pays 100% of covered costs until the year resets.

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