In scenarios will you be entitled to pay the least amount of money out-of-pocket for a medical expense?

You will typically pay the least out-of-pocket for a medical expense when you use in-network providers covered by your health insurance plan, as they often have negotiated lower rates. Additionally, meeting your deductible and utilizing preventive services that are covered at no cost can further minimize expenses. Finally, leveraging Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs) for eligible expenses can also reduce your overall out-of-pocket costs.