insurance

Deductible

免責額 (menseki-gaku)

A deductible is the amount you pay out of pocket for covered health services before your insurance begins to share costs. For example, with a $1,500 deductible, you pay the first $1,500 of covered services each year before coinsurance or lower copays kick in. Preventive care is typically covered before the deductible under the ACA. Family plans may have separate individual and family deductibles. High-deductible health plans (HDHPs) pair with HSAs for tax savings.

The deductible resets each plan year, usually January 1 for calendar-year plans, requiring enrollees to start cost-sharing from scratch.

In 9 languages

Language	Term
English	Deductible
Japanese (日本語)	免責額
Chinese (中文)	免赔额
Korean (한국어)	공제액
Portuguese	Franquia
Spanish	Deducible
Filipino	Deductible
Thai	ค่าลดหย่อน
Vietnamese	Khoản khấu trừ
Romanization	menseki-gaku

Related terms

• Coinsurance コインシュアランス（自己負担割合）
• Out-of-Pocket Maximum 自己負担上限額
• HDHP (High-Deductible Health Plan) 高額免責プラン
• HSA (Health Savings Account) HSA（医療貯蓄口座）

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