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Cost-sharing

The portion of medical expenses that you must pay yourself, such as deductibles, co-payments, and co-insurance.

Deductible

The amount of money you must pay out of your own pocket for medical services before your health insurance begins to pay.

Out-of-pocket maximum

The most money you will have to pay for covered medical services in a plan year. After you reach this amount, your insurance plan pays 100% of the cost of covered benefits.

Group health plan

A health plan offered by an employer or employee organization to a group of employees and their families.

Health insurance issuer

A company that provides health insurance coverage, such as Blue Cross Blue Shield or Aetna.

High-deductible health plan (HDHP)

A health insurance plan with a higher deductible than a traditional plan. HDHPs can be combined with a Health Savings Account (HSA) to pay for qualified medical expenses.

Chronic obstructive pulmonary disease (COPD)

A group of progressive lung diseases that block airflow and make it difficult to breathe, including emphysema and chronic bronchitis.