[Matt D.]

You will typically have a copay that you pay out of pocket any time you go to the doctor, like $15 for an office visit, $50 for xray, $100 for emergency room, etc. Beyond that any costs you incur are covered are covered by the deductible like Pete said, the insurance company will pay something like 85% and the other 15% is your responsibility. Usually there is also a maximum out of pocket cap per year as well, like if you end up hitting that cap, let's say $2000 for example, before the end of the year, the insurance company will pay all costs beyond that for the rest of the year.

Also be sure to stick with in-network doctors and hospitals otherwise you will get killed with costs. Otherwise the monthly costs don't look too bad.