Finally, the plan begins to pay.

After you pay your deductible, the plan will pay a big percentage. This is called coinsurance. For example, if the plan pays 80% of the cost, you will pay the remaining 20%.

Once your deductible and coinsurance payments add up to the plan’s out-of-pocket maximum, the plan will pay 100% of all eligible health care expenses for the rest of the calendar year.