Reference

Figures you can check, not just read

These pages exist to answer one question each: a table to look something up in, a number to run, a source you can verify. They are updated when the underlying rules or figures change, and each one shows the date its figures were last checked.

Reference Health Insurance

Deductible, coinsurance, out-of-pocket max: what one bill actually costs

How a US health plan splits one bill — deductible first, then coinsurance, then the out-of-pocket maximum — with a calculator and the 2027 federal ceiling.

Checked October 10, 2026