What Is Zero Deductible Health Insurance?

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   Neil Steinman

   Owner, Orange County Health & Life Insurance,

   Zero deductible means exactly that - there is zero deductible. A deductible is the amount you have to pay first before the plan benefits kick in (there may be some benefits in which the deductible is waived). Remember there are also copays and coinsurance. Therefore, it is smart to look at the maximum you might have to pay, which is called the Maximum Out Of Pocket. Your deductible might be $3500, but the MOOP might be $9500!

   Answered on July 14, 2013

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