A broker can recommend personalized health insurance plans for you to consider. This amount is the most you could possibly have to pay for healthcare services in a single year. Your deductible, copays and coinsurance for any in-network services all count toward this maximum. Monthly premiums, payments for services not covered and out-of-network visit costs don’t contribute to your out-of-pocket maximum. You’ll also want to pay attention to how your health insurance deductible stacks up against your premium. A plan with lower premiums and a high deductible might be a good fit if you don’t expect to need much healthcare.
