What is a base deductible?

A base deductible is the amount an insured individual must pay out-of-pocket for covered healthcare services before their insurance plan begins to pay. This deductible typically applies to a range of services, and once it is met, the insurance will cover a larger portion of the costs, often with the insured responsible for copayments or coinsurance. The base deductible can vary based on the insurance policy and may reset annually.