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Your share of the costs of a covered health care service, calculated as a percentage of the allowed amount for the service. Generally, you are responsible for a coinsurance plus any deductibles you owe. (For example, if your coinsurance is 20 percent and the health insurance or plan’s allowed amount for an office visit is $100—and you’ve met your deductible—your coinsurance payment would be $20. The health insurance or plan pays the rest of the allowed amount.

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