This is the amount you must pay out-of-pocket for covered services before the insurance company starts to pay its share. For 2026 , High-Deductible Health Plans (HDHPs) have minimums of $1,700 for individuals and $3,400 for families.
The premium is your fixed monthly cost to maintain coverage. questions to ask when buying private health insurance
This is the most you will pay in a year for covered services. In 2026 , the limit for HDHPs is $8,500 for individuals and $17,000 for families. This is the amount you must pay out-of-pocket
Depending on your income, you may qualify for premium tax credits or cost-sharing reductions through the Health Insurance Marketplace. Network and Providers This is the most you will pay in a year for covered services
When buying private health insurance, especially for the , it is critical to look beyond the monthly premium to understand your total potential financial liability. Use the following categorized questions to evaluate your options. Financial Obligations