Many private health insurance policies feature annual out-of-pocket maximums (for deductibles, co-payments, etc.) so that you do not have a potential limitless liability for out-of-pocket cost-sharing during a given plan year - unless, of course, you happen to hit a lifetime limit on benefit coverage under the policy (another common feature - one that I believe the health insurance reform will phase out). Under the terms of such out-of-pocket maximums, once you hit the annual limit, you may have no further liability for deductibles, co-payments, etc.) during the balance of the plan year. Double check the terms of your policy.