What Is Deductible Vs. Out-Of-Pocket In Health Insurance? 
The `` deductible '' is `` out-of-pocket '' cost to the policy holder , and so is any co-pay . There may also be over the limit costs that are out of pocket . Usually health insurance policies have a maximum per year or maximum per life that they will pay for certain things . ANything after that would then be out of pocket cost to the insured . 