Annual Employee Spend Copays Deductibles Coinsurance Out of Pocket Expenses Premium Pre - tax Payroll Deductions 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.