Deductible vs. out-of-pocket maximum 

The main distinction between a deductible and an out-of-pocket maximum is how much the insurance company covers after the required maximum is met. A deductible is the amount an individual has to pay for covered services before their insurance begins to partially cover medical services. For a deductible, after you reach the cap on your deductible your insurance only partially covers the cost of covered services.

What happens after the out-of-pocket maximum is met?

With an out-of-pocket maximum, your insurance covers the full cost of covered services after reaching the cap. Out-of-pocket maximums tend to be set higher than deductibles for this reason.