There are different percentages or limits for deductibles,co-insurance,out-of-pocket. There are different co-pays.
Individual policies are also so different. This creates a need for attention to find all the specifics of an individual policy.
If you give health care to all; paid for through taxes; and remove the "for profit" component; you would save 30%+ right out of the gate. Some of the things you do need to spend money on to supply health care to someone is doctors, nurses, hospitals, drugs, medical equipment, clinics, etc. The one thing you don't need is insurance companies. They offer no service except to jack-up the costs and provide a return for their investors at patients expense. Through sheer volume, we could self insure ourselves at a much cheaper price and more efficiently.
Think about it. The only way an insurance company can make money is to collectively overcharge their customers the percentage of profit margin, over and above their expenses. The expenses include the paying of claims, but also include, executive pay and bonuses, employee pay, benefits, taxes (maybe not), Marketing and Administrative Expenses ( you even have to pay for their TV ads), utility costs, maintenance costs, and much, much, more; that are passed directly to the patient on top of already high actual health care costs.
A 2004 economic study published in The New England Journal of Medicine determined that a national single-payer healthcare system would reduce costs by more than $400 billion a year "despite the expansion of comprehensive care to all Americans." I'm sure that figure has increased since then.
I think the cartoon at the bottom of this page says it all -
We need to get our health care percentage of GDP down from over 22% to the 10-15% which is common in single payer countries.