Health insurance plans may have multiple deductibles. For example, your policy may have both individual and family deductible limits. Most plans also have a separate deductible if you use medical providers (doctors, hospitals, pharmacies, etc.) who are outside the plan's provider network. Your deductible will generally be higher if you use an out-of-network provider. Your plan may also have separate deductibles for medical and prescription drug benefits. If you switch plans part way through the year, you'll generally have to start over with a new deductible on your new plan. This is common, for example, if you leave a job where you had employer-sponsored health coverage, and switch to an individual market plan or a new employer's health plan mid-year.