Most You Can Pay

Insurance plans have a stated limit on what you might have to pay in a year for premium, hospital, doctor, drug, and other medical costs. But some plans have loopholes that may leave you paying co-payment and deductible amounts above their limits. Our "Most You Can Pay in a Year" figure includes the catastrophic limit of the plan, an estimate of the potential cost of significant gaps or loopholes, premium (adjusted for the benefits of premium conversion if eligible), and applicable health savings accounts in Consumer Driven and High Deductible plans. It is the best way to compare actual limits, including possible payments above stated limits. It does not include dental costs, because no plan limits these.