The amount that you or your family member(s) must pay before the health plan will pay for covered services. Not all covered services are subject to the Annual Deductible. The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1,000, your plan won’t pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.