Do premiums count towards out of pocket maximum?
There are several terms to think about:
premium - the monthly cost of a plan
deductible - the amount you pay before your insurance kicks in
coinsurance - the amount you pay after your insurance kicks in
copay - also the amount you pay after your insurance kicks in
out-of-pocket maximum - the amount you pay before your insurance pays for everything
Two questions:
Do you continue to pay your premium even after you've met your out-of-pocket maximum?
Does your premium count towards your deductible or out-of-pocket maximum?
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From reading another blog post:
Unfortunately, health insurance doesn’t work that way; premiums don’t count toward your deductible.
Also:
After you’ve paid enough in deductibles, copays, and coinsurance to
have reached your out-of-pocket maximum each year, your health plan
begins to cover 100% of the cost of your care for the rest of the
year.
You don’t have to pay any more cost-sharing that year. However, you
still have to pay your monthly premiums or your health insurance
policy will be canceled.
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