The deductible is the beginning
The deductible is what you pay before the plan starts sharing covered costs. Some benefits may be covered before you reach it, which is why two plans with the same deductible can behave very differently.
Costs · 4 min read
Deductible vs maximum out-of-pocket
Two numbers people mix up, and the one that defines your worst year.
The out-of-pocket maximum is the ceiling
The maximum out-of-pocket is the most you'd pay for covered in-network care in a plan year. If you only compare one number across plans, compare this one, then look at the monthly cost required to get there.
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