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[Music] think about the things you buy whether you pay cash or credit you know what youre getting and how much it costs easy so why is paying for health care so confusing imagine you get sick you see a doctor have a lab test get some medicine and wait weeks to find out how much you owe if you dont have health insurance youll pay for everything with health insurance you get help for paying the cost of covered medical expenses but the process can be hard to understand heres how it works each month you pay a premium for your plan think of it like a shopping club membership for healthcare your premium gives you access to a variety of benefits including discounted rates with select providers if you get your plan through your employer your premium is likely deducted from your paycheck each year you have a deductible to pay before your plan starts to pay after youve paid your deductible you just pay part of the cost of services for example if your annual deductible is one thousand dollar