Your insurance deductible is the amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $2,000, you will need to pay $2,000 out of pocket before your insurance begins to cover your health care expenses. If you have not met your deductible by the time you have your Horizon carrier screen, you may be required to pay some expenses out of pocket. Click here to see in-network plans.