C O S T O F C O V E R A G E Annual Employee Spend Copays Deductibles Coinsurance Out - of - Pocket Expenses Premium Pre - tax Payroll Deductions HOW YOU PAY FOR HEALTH CARE COSTS Remember , your total health care cost for the year is the combination of your out - of - pocket expenses when you access medical care and the premium contributions you make for coverage . Depending on your personal situation , the plan with the lowest deductibles and copays may not be the best plan for you . Be sure to look at the total cost of your expected care before making your plan decisions for the plan year . TOTAL COST OF CARE