Coinsurance: sharing the cost

Name: Coinsurance: sharing the cost
Uploaded: 2026-09-16
Duration: 3 min 21 s
Description: Coinsurance is the share of a bill you pay after meeting your deductible — usually a percentage, like 20%. This lesson shows how coinsurance is calculated on the plan's allowed amount and how it counts toward your out-of-pocket maximum.

FreeChapter 43:213 key terms

Coinsurance is the share of a bill you pay after meeting your deductible — usually a percentage, like 20%. This lesson shows how coinsurance is calculated on the plan's allowed amount and how it counts toward your out-of-pocket maximum.

What you'll learn

How coinsurance is calculated as a percentage of the allowed amount
Why coinsurance kicks in only after you've met your deductible
How coinsurance and copays both count toward your out-of-pocket maximum

Key takeaway: After your deductible, you and the plan split each bill — coinsurance is your percentage of it.

What you pay, and when

4 lessons

The four costs on every plan — premium, deductible, copay, coinsurance — and how they work together across a year.

1Insurance premiums3:14
2Deductibles3:48
3Copays2:56
4Coinsurance: sharing the cost▶ Now playing3:21

🎉 You've reached the end of this course.

Back to the library