Out-of-pocket costs

*Bronze plans have the minimum coverage you need to meet the requirement to have health insurance.

What to know before you buy

You must pay any medical costs your health plan doesn't cover. Before making an appointment or receiving services:

• Ask about your premium and out-of-pocket costs, such as copayments, deductibles and coinsurance.
• Understand how your plan handles claims, how your providers get paid and what you must pay.
• Ask if your providers are in your plan's network.
• Ask if your plan covers your medications and what they cost.

If you can't afford health coverage, you may qualify for help.

Limits on out-of-pocket costs

For 2024, the most you'll pay for out-of-pocket costs (deductible, copayments and coinsurance) is:

• $9,450 for individual coverage.
• $18,900 for family coverage.

Once you reach the limit, your health plan pays all of your allowed amount for covered benefits.