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hi thanks for watching this plan to the excel video in this video were going to go over the basics of how your health insurance plan splits the bill between you and your health insurance to put the plan so I just pulled this off of a off of the exchanges the healthcare.gov website i just picked up kind of a more or less random plan and the key number that we see 44 to help us to understand what i want to hang on what my insurance without paying is this deductible this out of pocket maximum and this co-insurance right here and and so when youre looking at your what your health insurance plan is going to the paying these are the three numbers that you need you need to know your deductible your out-of-pocket maximum and your coinsurance rate so were going to put this in in an excel format so weve got a ductile the stats are out of pocket maximum and this is your coinsurance rate so lets just pretend we have this the same plan that we have here so 5750 deductible 6550 so 5750 deducti