What Are Out Of Pocket Expenses Health Insurance? 
Your out of pocket expenses consist of copays , coinsurance , deductibles . and any other monies that you have to pay yourself . Typically , under the Affordable Care Act legislation , many types of out of pocket expenses are capped or clearly defined . For non-Exchange plans , there may be more expenses that you incur . As a health insurance broker for the last 33 years -LRB- time flies ! -RRB- , this topic is regularly discussed and it 's important to know exactly what the amount will be before you purchase a policy or enroll . 