It’s extremely frustrating to try and understand new health insurance plans. It seems like every year my job changes providers and I have to try to figure out exactly what’s covered and what isn’t. I found this article on deductibles and copays and it helped me understand but I’m still confused about what the coinsurance is and why my deductible is $2000 but my out of pocket maximum is $5000. Shouldn’t it be $2000?

I guess the answer is never, ever to get sick but then I wouldn’t need health insurance, would I? I wish that health insurance were easier to understand and that I knew upfront just how much I’m going to wind up having to pay. I suppose $5000 is the limit? Who knows?

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