Watch: 8 Health Insurance Terms You Should Know

Deductible. Copay. Out-of-pocket limit. What do these health insurance terms actually mean? We explain common phrases from insurance policies so navigating your plan is less of a headache.

By: Hosted by Jackie Fortiér, produced by Lexi Krupp, illustrated by Oona Zenda, and animated by Hannah Norman

Outlets: KFF Health News

Published: May 11, 2026

Words: 194

Last Updated: 2 months, 2 weeks ago

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Health insurance in the U.S. is notoriously confusing. So we’re covering the basics to make navigating your plan a little easier. We explain the difference between a deductible and an out-of-pocket limit, define copay and coinsurance, and point out where surprise bills can get you in trouble, from out-of-network providers to prior authorizations.

Read more coverage from our “Bill of the Month,” “Health Care Helpline,” and “Priced Out” series:

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