Out-of-Pocket Expenses Most health insurance plans don't pay 100% of the cost for absolutely everything related to your healthcare. Your plan probably requires you to pay part of the costs, such as a copay when you visit the doctor. All costs for covered services that you pay for are called "out-of-pocket expenses" because you pay for them out of your own pocket. These costs include copays, coinsurance, and deductibles.
Out-Of-Pocket Maximum An Out-of-Pocket maximum is the most that you should have to pay for your healthcare during a plan period (usually one year). Before reaching the out-of-pocket maximum, you pay for part of your medical care, such as copays and coinsurance. Once you have paid the amount set by the out-of-pocket maximum, your insurance will pay 100% of the allowed amount for your covered healthcare expenses, up to a preset benefit maximum. Note that ineligible expenses -- such as elective plastic surgery -- aren't counted against your out-of-pocket maximum.
So you need to estimate if you have ever even gone over your out of pocket. The increased out of pocket only would hurt if you happened to have a span with a bunch of stuff done that wasn't covered.
Also you definitely have to know what you have been paying to see if it is a better deal. It's not going to be more affordable to every one.
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