This is the deductible, if any, that you (or you and your family) will have to pay before the plan will reimburse most medical expenses. Not all payments count against the deductible, so we recommend using our Estimated Yearly Cost as a better plan-to-plan cost comparison tool. Preventative care costs, such as periodic exams and child vaccinations, are not subject to the deductible in any plan. Most plans waive deductibles for enrollees who have Medicare as a primary payer, and those enrollees pay nothing. In some cases plans do not waive deductibles for Medicare, and those enrolled in both programs pay the plan deductible or the Medicare deductible, whichever is less.