What Does Aggregate Mean In Health Insurance? 
Aggregate means all or total . The term is used often in self funded employer group plans where the employer is funding the claims up to an aggregate cap -LRB- if they have purchased medical stop loss coverage -RRB- . I rarely see it used in individual major medical plans except for those plan designs that are HSA qualified . High deductible plans that are HSA qualified generally come in two flavors . Some have an embedded family deductible while others have an aggregated family deductible . In the case of the aggregated deductible , all eligible claims from covered family members would apply toward the deductible . Once these aggregated claims hit the deductible the plan coinsurance kicks in and the carrier pays their obligation . 