You pay less for covered in-network health care, even before you meet your deductible.

Having a health insurance can lower your costs even when you haven't met your deductible. Insurance companies negotiate the cost of service with providers, so you pay a discounted rate.

This means that when you use an in-network provider, or a doctor your insurance company has negotiated with, you pay less for the same services than someone who doesn't have insurance.

• Sometimes these savings are small.EXAMPLE
• In other cases the savings can be big.. EXAMPLE

So even if you don't reach your deductible during the year, you can save a lot of money on your covered medical services just by being enrolled in an insurance plan.

FOR MORE INFORMATION : healthcare.gov

Rusk's Story

"At some point we're all going to come across a doctor. Its just reality"