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UnitedHealthcare answeredOut-of-pocket costs are those health care expenses you pay that are not reimbursed by your health insurance company. Some common out-of-pocket costs include your deductible, co-pay, and co-insurance. Your health plan will "cap" your out-of-pocket expenses, which means that once you reach the maximum out-of-pocket costs for your plan, your health plan takes over and provides coverage. Review your plan documents for specific details on out-of-pocket costs.Helpful? 1 person found this helpful.