How does health insurance work?

I know I have to pay a monthly fee but I was looking on healthcare.gov and it says something about deductibles. I need health insurance to have my surgery done.

Fearless@50

Your Dad pays a monthly cost for the family to have health insurance, this is called the premium.
When someone in the family goes to the pharmacy to buy prescription drugs, they pay a copay for each time they buy a prescription drug. The amount of copay depends on the insurance plan purchased. Using your example, it would be $20 for each prescription.

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