Calculate Payout using Individual and Family Deductibles

bryson8420 OK didn't catch that.  So is that maximum any individual can count toward the family deductible = to the individual deductible or does the 10% they pay on services over that amount also count?  assuming the former I think this will work:

=CompPerc*MAX(
        MIN(SUMIFS($C$1:$C2,$A$1:$A2,$A2,$B$1:$B2,$B2)-Individual,$C2),
        MIN(MAX(REDUCE(0,UNIQUE(FILTER($B$1:$B1,$A$1:$A1=$A2,0)),
                   LAMBDA(p,q,p+MIN(1000,SUMIFS($C$1:$C1,$A$1:$A1,$A2,$B$1:$B1,q))))
                +$C2-Family,0),$C2),
        0)

EDIT: I got to wondering how I would have done this 'old school' before LAMBDA and figured I would probably add a couple helper columns.  These helper columns actually help see what is happening so you might consider this option.  I created a column for amount of $ going towards Individual deductible, amount of $ going towards Family deductible, and then resulting payout based on that. 

$ to IND = IF(C2,MIN(Individual-SUMIFS($F$1:$F1,$A$1:$A1,$A2,$B$1:$B1,$B2),$C2),"")

$ to FAM = IF(C2,MAX(MIN(Family-SUMIFS($F$1:$F1,$A$1:$A1,$A2),$F2),0),"")

Payout   = IF(C2,(C2-MIN(F2:G2))*CompPerc,"")

See attached.