The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.After you pay your deductible, you usually pay only a copaymentA fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.Refer to glossary for more details. or coinsuranceThe percentage of costs of a covered health care service you pay (20%, for example) after you've paid your deductible.Refer to glossary for more details. for covered services. Your insurance company pays the rest.Many plans pay for certain services, like a checkup or disease management programs, before you've met your deductible. Check your plan details.All Marketplace health plans pay the full cost of certain preventive benefits even before you meet your deductible.Some plans have separate deductibles for certain services, like prescription drugs.Family plans often have both an individual deductible, which applies to each person, and a family deductible, which applies to all family members.Generally, plans with lower monthly premiumsThe amount you pay for your health insurance every month. In addition to your premium, you usually have to pay other costs for your health care, including a deductible, copayments, and coinsurance. If you have a Marketplace health plan, you may be able to lower your costs with a premium tax credit.Refer to glossary for more details. have higher deductibles. Plans with higher monthly premiums usually have lower deductibles.Related contentLearn how deductibles and out-of-pocket costs affect your total costs of careHow to pick a health plan that works for you