Questions To Ask When Buying Private Health Insurance ★ Direct & Ultimate

This is the most you will pay in a year for covered services. In 2026 , the limit for HDHPs is $8,500 for individuals and $17,000 for families.

This is the amount you must pay out-of-pocket for covered services before the insurance company starts to pay its share. For 2026 , High-Deductible Health Plans (HDHPs) have minimums of $1,700 for individuals and $3,400 for families. questions to ask when buying private health insurance

The premium is your fixed monthly cost to maintain coverage. This is the most you will pay in a year for covered services