Health Insurance
Coinsurance
Your percentage share of a covered cost after the deductible — common in health and some property policies.
Last reviewed: May 2026 · Editorial methodology
Definition
In health insurance, the percentage of costs you pay after meeting your deductible. For example, an 80/20 plan means the insurer pays 80% and you pay 20%. In property insurance, coinsurance is a clause requiring you to insure your property to a minimum percentage of its value (usually 80%) — falling below that threshold results in a proportional penalty on partial-loss claims.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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