Becky’s comprehensive major medical health insurance plan at work has a deductible of $730. The policy pays 80 percent of any amount above the deductible. While on a hiking trip, Becky contracted a rare bacterial disease. Her medical costs for treatment, including medicines, tests, and a seven-day hospital stay, totaled $9,233. A friend told her that she would have paid less if she had a policy with a stop-loss feature that capped her out-of-pocket expenses at $4,700.