in several of the plans available through healthcare. gov consumers will have to meet a deductible (pay that amount out of pocket) before the insurance plan begins to cover most benefits and services. based on your questions you are also finding some plans that require you to pay a percentage of the costs (so-called "co-insurance") for benefits or services after meeting that deductible. so for example you may have to pay 15% of the cost of a physician office visit after the deductible or 25% of a hospital stay.
i am seeing 15%/25%/35% co-insurance after the deductible in network listed on the healthcare. gov plans available. please explain exactly what this means.