Which policy feature allows health charges to be deferred to the next year's deductible?

The carryover provision is a useful feature in health insurance policies that permits insured individuals to defer certain health charges to the next year’s deductible. This feature allows any eligible expenses incurred near the end of a plan year that do not meet the deductible to be credited towards the deductible in the following year. As a result, if you have medical expenses that you cannot fully utilize by the end of the year, this provision helps ensure that those costs are not lost but rather carry over into the next year, making it potentially easier to meet the deductible in the future.

The annual limit provision refers to the cap placed on the total amount an insurance provider will pay for claims within a given year but does not influence the way deductibles work across years.

The lifetime maximum provision sets a limit on the total benefits an individual may receive throughout their lifetime under a health insurance policy, without relating to the timing or deferral of charges from one year to the next.

The pre-existing condition clause relates to rules about how insurers handle health issues that existed prior to the policy coverage but does not impact the management or deferral of deductible charges from one year to another.

In summary, the carryover provision directly addresses the ability to shift applicable health charges into the following year's deductible,