Does the premium count toward the OOP max?

No. Premiums are separate — only what you pay for care (deductible, copays, coinsurance) counts.

Do all copays count toward the deductible?

It depends on the plan. Some copays apply toward the deductible, some don't — check your plan's Summary of Benefits.

Interactive Comparison

Deductible vs Copay vs Coinsurance vs Out-of-Pocket Max

These four numbers appear on every plan summary. Deductible is what you pay first. Copays are flat fees. Coinsurance is a percentage after the deductible. The out-of-pocket max is your worst case for the year.

Term	What it is	When it applies
Deductible	The amount you pay before insurance pays a share of most care.	Applies first — resets each plan year.
Copay	A flat dollar amount (e.g. $30) for a specific service.	Often applies before the deductible for common visits.
Coinsurance	A percentage of the bill you pay (e.g. 20%).	Applies after the deductible until you hit the OOP max.
Out-of-pocket max	The ceiling on what you'll pay in a plan year for covered, in-network care.	Insurance pays 100% for the rest of the year once hit.