COST OF COVERAGE HOW YOU PAY FOR HEALTH CARE COSTS TOTAL COST OF CARE Premium Out of Pocket Expenses Remember, your total health care cost for Pre-tax the year is the combination of your out-of- Payroll pocket expenses when you access medical Deductions care and the premium contributions you Copays Deductibles Coinsurance 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 Annual Employee Spend of your expected care before making your plan decisions for the plan year.