An Out-Of-Pocket Limit is the most that you're going to have to pay each year for care covered by your plan. Once you hit that limit your insurance starts paying for all of your covered costs. Now if you have other family members on the same plan they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met as well. Some things that are not counted towards the out-of-pocket limit those can include your premiums, balance billing charges, and health care that the plan does not cover.
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