Does Coinsurance Count Toward the Deductible? No. Coinsurance is the portion of healthcare costs that you pay after your spending has reached the deductible. For example, if you have a 20% coinsurance, then your insurance provider will pay for 80% of all costs after you have met the deducti...
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 ...