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The most you will have to pay during a policy period (usually a year) before you no longer have to pay your share of coinsurance for covered health services. Once you’ve reached your out-of-pocket maximum, your health plan generally pays 100 percent of your health care costs, up to your policy’s coverage limit. You are still responsible for paying your premium. Depending on your plan, you also may have to continue paying copayments and some other expenses.