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Your plan will pay some of the cost but you will also have to pay some.

Coinsurance: This is how much you will have to pay after you have met your deductible, but before you've met your maximum out-of-pocket.

Some plans only have a deductible, and don't have any services that are subject to copays instead.

For example, if you go to your doctor's office, your plan might pay for some of the cost but you may have to pay a set amount when you have your appointment (e.g.

Copay: This is how much you have to pay when you get a health care service that's not subject to the deductible.

Deductible: This is how much you need to pay toward health care before your plan will start to pay for certain services.

But as noted above, premiums for most people are subsidized by the government or by an employer. And even if you have medical claims that result in you meeting your plan's maximum out-of-pocket for the year, you'll still have to continue paying the premiums. You have to pay this amount every month in order to keep the plan in force, regardless of whether you need to use your health insurance or not.

Premium: This is how much your health care plan costs per month.

This will help you make an informed choice about coverage. It's important that you understand what they mean. There are a few words that will frequently pop up when you're shopping for health insurance. Should You Buy Supplemental Health Insurance? Key Terms to Know Less comprehensive coverage can look appealing at first glance, but it might not be enough to help you if you have a significant medical claim. In other words, it's not comprehensive health insurance. In this case, the coverage that you’re buying does not cover very much. The plan's benefits have been reduced.And most people do qualify for subsidies, either from the government (via the exchange, Medicare, Medicaid, etc.) or from an employer. If you qualify for subsidies, it's a great way to get health coverage that fits your budget. Having a subsidy means that you won't have to pay the full cost of the insurance yourself. Usually, subsidies come from your job or the government. The plan's monthly premiums are being partly or totally paid for by someone else.If your health insurance is free or low-cost, it means that either: You can also buy it from a private health insurance company, either through the exchange/marketplace or directly from the insurer. Insurance can be provided by the government or by your job or university. In the U.S., you can potentially get health insurance through several different sources. How to Talk About Health Insurance Where to Get Health Insurance