In general, copays and the deductible apply to different services, andthe amount you spend on copays doesn't count towards the deductible(again, all health plans are different, so read the fine print on yours). But all ACA-compliant plans do count the amount you spend on copays towards ...
Coinsuranceis the portion of covered health care costs you must pay after meeting your deductible. It’s calculated as a percentage of the total cost of services. Coinsurance, too, varies by plan and care type. However, policyholders generally shoulder between 10% and 40% of their medical cos...