I (34/F/WI) tried reading the posts about aggregate and embedded deductibles but I still don't understand. My summaries of benefits say this:

Generally, you must pay all the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan:

PPO ($500 individual/$1k family deductible): "each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible."

HDHP ($2k individual/$4k family deductible): "the overall family deductible must be met before the plan begins to pay."

I don't get it. In both cases, don't we have to pay the total family deductible (either $1k or $4k) first? Or is it saying for the HDHP, I alone could use $4k of healthcare and then my family would have their bills covered? But for the PPO, if I spend $1k, my kid still has to spend $500 so that individual deductibles have totaled the family deductible. But if there were 6 of us, only 2 would need to pay the $500 individual deductible since the family deductible is $1k right??

submitted by /u/Particular_Radish_95
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