Your deductible is the amount you pay for health care out of pocket before your Texas health insurance kicks in and starts covering the costs. Some expenses, like an annual check-up or doctor’s visit, might not be subject to the deductible, depending on your plan. The deductibles might be anywhere from $500 to $1,500 if you’re an individual, or $1,000 to $3,000 if you’re a family. In general, plans with higher deductibles have lower premiums and vice versa.
As an example, if you have a $1,000 deductible and have a $5,000 surgery, you’ll have to pay $1,000 out of pocket, and the remaining $4,000 will be covered all or in part by your insurance company.
However, even after you've paid your deductible, covered services may still have a copay or coinsurance, depending on the details of your plan.