Final answer:
The deductible for each separate enrollee is the individual amount they must pay before insurance contributions apply. Deductibles, copayments, and coinsurance help reduce moral hazard by having the insured share in the cost of medical services.
Step-by-step explanation:
The type of deductible that must be met for each separate enrollee in a health insurance policy is an amount that each individual policyholder must pay out of their own pocket before the insurance coverage starts to contribute to medical expenses. This structure is in place for policies with an individual deductible per enrollee, as opposed to a family deductible or an aggregate deductible. Deductibles, alongside copayments and coinsurance, are mechanisms within an insurance policy designed to share costs between the insurer and the insured to reduce moral hazard. A copayment is a flat fee that the policyholder must pay at the time of service. Coinsurance is the percentage of the cost that the insured must cover after the deductible has been met. These cost-sharing mechanisms ensure that the insured party bears a portion of the costs, incentivizing careful use of medical services and contributing to the overall sustainability of the insurance model.