Out of pocket limit is the top amount you pay from your pocket per year.  Insurance policies designate the top limit. The insurance company decides what is included in the out of pocket limit.  It may include deductible and coinsurance  or it may designate the coinsurance only and the deductible separate.  Copays are not included in the out of pocket limit.  It is important when deciding on an insurance policy to know what the out of pocket limit is.

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