Glossary · Costs
What is in-network coinsurance?
In-network coinsurance is the percent of the allowed amount you pay for covered care from providers who contract with your plan, such as 20%. It usually costs less than out-of-network coinsurance.
Definition and figures from HealthCare.gov glossary, checked October 23, 2026. This page explains the term; it does not recommend a plan.
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In-network coinsurance: the facts
| Item | Fact | Source |
|---|---|---|
| HealthCare.gov example | 20% in network | HealthCare.gov glossary: In-network coinsurance |
| Out-of-network example | 40% | HealthCare.gov glossary: Out-of-network coinsurance |
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What does in-network coinsurance mean in health insurance?
In-network coinsurance is the percent of the allowed amount you pay for covered care from providers who contract with your plan, such as 20%. It usually costs less than out-of-network coinsurance.