What term describes the amount paid by the insured before the insurer pays?

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The main idea here is the amount you must pay out-of-pocket before your insurance starts sharing the costs. That amount is called the deductible. It represents the upfront portion you personally cover each policy period before the insurer begins to pay, with the plan then taking over according to its rules (often followed by copayments or coinsurance for individual services). Premium is the regular payment to keep the plan active, not tied to a specific claim amount, while copayments are fixed fees per service after coverage kicks in, and coinsurance is the percentage of costs you pay after meeting the deductible. So, the term describing the责任 you pay before the insurer pays is the deductible.