Deductible, copay, coinsurance: what's the difference?

These three decide what you pay at the doctor. Copay: a flat fee per visit. Deductible: what you pay before the plan starts sharing costs. Coinsurance: the percentage you split with the plan after the deductible.

And the out-of-pocket max

Your out-of-pocket maximum is the most you'll pay in a year. Once you hit it, the plan covers 100% of covered care — an important safety net to compare across plans.