The fixed monthly fee you pay to keep your plan active, regardless of whether you use it.

Your share of the cost for a specific service (e.g., a $30 flat copay for a doctor visit or a 20% coinsurance for a hospital stay).

Buying health insurance involves more than just picking the lowest monthly price. It requires balancing your monthly budget (premium) against what you'll pay when you actually see a doctor (out-of-pocket costs).