Most health insurance asks you to pay your own medical bills out of pocket up to a certain amount before insurance kicks in. That amount is called your deductible. For example, if your deductible is $4,000, your insurance won’t start paying for your care until you pay $4,000 toward your care. Some kinds of care are covered even before you’ve met your deductible, though. Preventive care such as shots (immunizations) or screenings for cancer are most likely covered by your insurance, even before your deductible is met.