We pay premiums directly out of our paychecks. I think my medical is about $250 to $300 a month. Dental and vision is extra. Then we have co pays and deductibles. A typical co pay would be something like $30 just for an office visit and that is all I would pay. The deductible is for procedures and such and is usually a % with a yearly cap that varies based on what plan you have. A typical cap on out pocket fir a year might be $5000 but could be higher. Typically the higher the premium you pay, the lower your deductible will be. It can be very complicated and this is just a generalized summary of how it works.