deductible is the amount you have to pay before the insurance
money kicks in. Thus, you pay the first 5000$.
remaining bill = 150,000 - 5,000 = 145,000 $
20% co-insurance means you pay 20% of the remaining 145,000 =
0.2*145,000 = 29,000
your total costs so far are = 5000 (deductible) + 29000
(co-insurance) = 34,000 $
but, the out-of-pocket (which means the maximum limit upto which
you have to pay) is 10,000 $.
Thus, you pay 10,000 $
