--- title: What is a Co-Insurance for Health Insurance? description: A concise guide to understanding co-insurance in health insurance plans, including how it works, payment breakdowns, and potential out-of-pocket costs. image: https://education.veritasrm.com/hubfs/Financial%20adviser%20showing%20terms%20of%20contract%20on%20tablet.jpeg --- [Skip to the main content.](https://education.veritasrm.com/what-is-a-co-insurance-for-health-insurance#main-content) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png?width=679&height=124&name=Screenshot_2022-07-27_161347-removebg-preview.png "Veritas Insurance")](https://veritasrm.com/) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/veritasrm-1.png?width=1000&height=145&name=veritasrm-1.png "Veritas Insurance")](https://veritasrm.com/) - Get Insurance - [Business Insurance](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) Search *Search* Toggle Menu Search *Search* Toggle Menu - Get Insurance *Toggle Menu* - [Business Insurance *Toggle Menu*](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us *Toggle Menu* - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team *Toggle Menu*](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) [*Facebook*](https://education.veritasrm.com/what-is-a-co-insurance-for-health-insurance#0) [*Instagram*](https://education.veritasrm.com/what-is-a-co-insurance-for-health-insurance#0) [*LinkedIn*](https://education.veritasrm.com/what-is-a-co-insurance-for-health-insurance#0) [*Twitter*](https://education.veritasrm.com/what-is-a-co-insurance-for-health-insurance#0) [*Youtube*](https://education.veritasrm.com/what-is-a-co-insurance-for-health-insurance#0) [*Medium*](https://education.veritasrm.com/what-is-a-co-insurance-for-health-insurance#0) 1 min read # What is a Co-Insurance for Health Insurance? [![Picture of Andrew Darlington](https://education.veritasrm.com/hubfs/DarlingtonFace.jpg) Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : August 26, 2024 at 10:50 AM [Health Insurance](https://education.veritasrm.com/tag/health-insurance) ![What is a Co-Insurance for Health Insurance?](https://education.veritasrm.com/hubfs/Financial%20adviser%20showing%20terms%20of%20contract%20on%20tablet.jpeg) ### Click Below and Listen To "What is a Co-Insurance for Health Insurance?" Co-insurance is the percentage split that you have with the health insurance company. Generally, after you hit a deductible, then there's gonna be a type of split and the split is based on the co-insurance. Sometimes it's a 100% co-insurance, 90% all the way down to 50%. Normally we don't see it much lower than 50%. But what that means is that if there's 90% co-insurance, that means that after you hit the deductible, the insurance company is gonna pay 90% of the bill, and the policyholders would only pay 10% of the bill. If it's 80%, it would be the insurance company will pay 80% and policyholders pay 20% down to whatever it is. On a 100% plan, that basically means once you hit your deductible, you don't pay anything else. So your deductible generally is going to be the same as your maximum out-of-pocket. So if your deductible in that situation is $2000 and it's a 100% coinsurance, then your out-of-pocket maximum a lot of times would be the same. But there's a catch, sometimes after you hit deductibles you have copays. So there are some policies that you have a copay. Even though you don't have any more deductibles and coinsurance, you're gonna pay co-pays for certain things until you reach your maximum out-of-pocket amount. ## Do you still pay after a co-insurance?   ![Smiling businessman and his colleague closing a deal with a partner in a meeting](https://education.veritasrm.com/hs-fs/hubfs/Smiling%20businessman%20and%20his%20colleague%20closing%20a%20deal%20with%20a%20partner%20in%20a%20meeting.jpeg?width=436&height=291&name=Smiling%20businessman%20and%20his%20colleague%20closing%20a%20deal%20with%20a%20partner%20in%20a%20meeting.jpeg)In general, yes you're gonna pay whenever you see a deductible and coinsurance under a coverage type. Usually like a hospital, or for in-patient surgery, or outpatient surgery, or whatever. You'll see that. But, if there's a copay, sometimes after you hit the deductible there's gonna be a copay. So, if you go into a hospital after you hit the deductible and there's a $200 copay for an in-patient stay. If you hit your deductible, then you'll still have to pay the $200 copay or that might be it. You don't pay anything else after that or you pay the copay and you pay your percentage of the out-of-pocket max. Most plans that have a prescription drug plan, are gonna have.... If you have a lot of co-pays during the course of the year, you might not have to pay anything after your deductible, because you already paid those co-pays that go towards the maximum out-of-pocket. It kind of skips over the deductible and starts going in that out-of-pocket max bucket to hit that final total.     - [Tweet](https://twitter.com/share) [![How to get FREE Life Insurance with Erie Insurance](https://education.veritasrm.com/hubfs/Darlington%20Family/Darlington%20Family.jpg)](https://education.veritasrm.com/how-to-get-free-life-insurance-with-erie-insurance) 1 min read #### [How to get FREE Life Insurance with Erie Insurance](https://education.veritasrm.com/how-to-get-free-life-insurance-with-erie-insurance) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : August 16, 2023 at 11:18 AM Yes, truth be told, I said this because I thought it might make more people click on the link (and it did work for you!), but in actuality, it is... 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