Individual and Family Plan Deductibles
The deductible is the amount you pay for covered health care services before the insurance carrier begins to pay. After meeting the plan’s deductible, you typically pay a copay or coinsurance for any covered service, and the insurance carrier pays the rest.
Family plans often have both individual and family deductibles. The individual deductible applies to each person on the plan, while the family deductible applies to every family member on that plan. Every individual deductible contributes to the family deductible.