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Other factors include: Copayments or copay —a fixed dollar amount you pay when you visit a doctor or other provider for service. Coinsurance —the percentage of the cost you pay after you meet your deductible. Deductibles —the amount you must pay before your insurance plan begins to pay its portion.
Premiums —the money you pay each month for your health insurance plan. Typically, the higher your premium, the lower your deductible—and vice versa.
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