What Is Zero Deductible Health Insurance? 
Zero deductible means exactly that - there is zero deductible . A deductible is the amount you have to pay first before the plan benefits kick in -LRB- there may be some benefits in which the deductible is waived -RRB- . Remember there are also copays and coinsurance . Therefore , it is smart to look at the maximum you might have to pay , which is called the Maximum Out Of Pocket . Your deductible might be $ 3500 , but the MOOP might be $ 9500 ! 