In many family plans, everyone covered under the policy pays toward their own individual deductible and the family deductible. That means that any time a member of your family sees a doctor and pays for services, that amount is applied to both deductibles. A family member may reach their individual deductible before the family’s is met. In that case, the insurance company typically begins paying its portion of that member’s medical bills. Once the family deductible is met, the insurance company pays its portion for all members covered under the policy. Some family plans do not include individual deductibles. With these plans, the overall family deductible must be met before the insurance company pays any portion of covered medical bills for anyone. Make sure to ask your insurance company which type of family deductible your plan has. If you’re shopping for new insurance, a GoHealth licensed insurance agent can show you the different family plans in your area.