The average deductible for individual plans amounts to USD 729 for health maintenance organisations (HMOs), USD 799 for preferred provider organisations (PPOs), and USD 1 314 for point-of-service plans (POS). For family coverage, the average deductible is USD 1 743 for HMOs, USD 1 854 for PPOs and USD 2,821 for POS (Kaiser Family Foundation and Health Research and Education Trust, 2013). Other countries impose deductibles for some categories of services only (e.g. for pharmaceuticals).