Question

the amount you owe for health care services each year before the insurance company begins to pay
coinsurance
deductible
copay

Explanation:

The description matches the definition of a deductible: it is the annual amount a patient pays out-of-pocket for covered healthcare services before their insurance plan starts contributing to costs. Coinsurance is a percentage of costs paid after the deductible, and a copay is a fixed flat fee for specific services at the time of care.

Answer:

Deductible