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Maybe the deductible part is a fixed amount and not a % of the total bill?

(I have no knowledge of health care in the US - both countries I lived in have free health care)

The deductible is (in my experience) a fixed amount. I have to pay about $5000 out of pocket before everything becomes "free".

Many plans now have a co-insurance percent, so something like 20-80% is billable back to the patient after the deductible up to the out of pocket maximum (or Really Real Deductable as I call it)

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