Lot's of confusion over these three terms.
Premium: The money you pay the insurance company every month. It's gone, and does NOT apply to either the deductible, the out-of-pocket max. (And, it does NOT go into your HSA...)
Deductible: The money you pay before your insurance company kicks in...
Out of Pocket Maximum: The MOST you'll pay in a calendar year, ASIDE from the Premium.
Now, to add to the loose ruck...A copay is just a fee to the Doc, or medical service provider, and also does NOT count within your deductible, or OOP MAX.
Sucks huh?
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