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here are 12 terms you need to know about your health insurance because when you understand your health plan you can get the most from your benefits lets start with the term you see every month your premium simply put is the monthly bill you pay or your employer pays on your behalf for insurance coverage payments for your premium do not count toward your deductible the next few terms are about cost sharing which are amounts that you have to pay for covered services you pay your deductible for certain services before your plan begins to pay for eligible charges from providers and facilities while a deductible is more often paid over a longer period of time a copay is an upfront fee you pay to a provider or facility for medical services depending on your plan this may count toward your out of pocket maximum if your doctor prescribes medications you may also need to pay a pharmacy or rx copay which is an upfront fee for certain types of drugs coinsurance is a percentage of charges that y
