Health insurance in California involves various out-of-pocket costs, including deductibles, copays, and coinsurance, which can be confusing. A deductible is the amount paid before insurance coverage begins, with higher deductibles typically associated with lower premiums. Copays are fixed amounts paid for services, while coinsurance is a percentage shared between the insured and insurer after the deductible is met. Understanding these costs is crucial for selecting the right insurance plan, as they vary widely among different policies.
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