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What is coinsurance and how does it work?

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Michigan Health Insurance – Customer Service – Learn More

This information will help you if you're shopping for health insurance and have questions about how it works and how your money is spent.

Put simply, coinsurance is your share of the costs of a health care service.

It’s usually figured as a percentage of the total charge for the service. In most cases, you’ll pay coinsurance plus your deductible. 

For instance, let’s say you’ve already paid out (or met) your health insurance plan’s $1,500 deductible. Your coinsurance is 20 percent. For a $100 health care bill, you would pay $20, and your insurance company would pay $80.

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