In the past, I have had individual health insurance. If I had a $1000 deductible, that meant that I had to pay the first $1000 of my health expenditures each year.
Next year, I expect to have a family health insurance policy. Suppose that I purchase a policy with a $1000 individual / $2000 family deductible. Suppose that in January next year, I have a surgery that costs $1500. Then, in February, my wife has a surgery that costs $1500.
How should I expect to be billed for the first surgery and the second surgery?