If you change jobs and health insurance does the amount paid out of pocket expenses for deductible or coinsurance on old policy transfer to your new one in same year?

Typically, the amount paid out of pocket for deductible or coinsurance on an old health insurance policy does not transfer to a new policy in the same year. Each health insurance policy is a separate contract with its own terms and conditions, including its own deductible, coinsurance, and out-of-pocket maximums.

When you change health insurance policies, you will typically start over with a new deductible, coinsurance, and out-of-pocket maximum. However, some health insurance companies may offer a "grace period" during which you can apply the amount you paid out of pocket on your old policy toward the deductible or out-of-pocket maximum on your new policy. The length of the grace period and the specific terms and conditions vary depending on the health insurance company.

It's important to carefully review your new health insurance policy to understand your coverage, including the deductible, coinsurance, and out-of-pocket maximum. If you have any questions about how your coverage works, you should contact your health insurance company.