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For Individuals

We offer many individual health plans options to select from. We offer plans that are customized to suit your budget and needs. You can choose from a pool of affordable insurance options from top carriers in the country. With individual insurance, you can access preventative health care and save money on prescriptions and doctor’s visits. Get a customized individual health insurance plan in just a few clicks!

For Families

Finding the right insurance for your family is one of the most important decisions you can make. We offer a wide range of affordable insurance plans from leading insurance firms from which you can choose. Finding the ideal family insurance plan for your loved ones does not have to be complicated. We offer customized quotes that suit your family needs and budget. Fill in the form to get your customized quote!

For Groups

Health Insurance Plans offers a wide array of group health insurance options for both small and large companies. We customize our products to meet the needs of your business and help you find an insurance plan that is both cost effective and prioritizes the wellbeing of your employees. Make the most of the numerous, affordable and top group health insurance plans. Get your quote from Health Insurance today!

The Main Difference Between Coinsurance and Copayments

No matter which kind of health insurance policy you have, it’s important to know the difference between a copay and coinsurance. These and other out-of-pocket expenses impact how much you’ll pay for the healthcare you and your family receive.

What Is a Deductible?

First, to understand the difference between coinsurance and copays, it helps in understanding about deductibles.

A deductible is the amount you pay every year for your healthcare before your plan starts to share the costs of the covered services. For instance, if you have a $3,000 deductible, you have to pay $3,000 before your insurance kicks in fully.

If you have any dependents on your plan, you will have an individual deductible and a different (higher) amount for the family.

What Are Copays?

Copayments in Health Insurance

Copays (or copayments) are set amounts you pay to your health provider when you receive services. Copays usually start at $10 and go up from there, depending on the kind of care you receive. Different copays typically apply to office visits, prescriptions, specialist visits, urgent care, and emergency room visits.

Your copay applies even if you have not met your deductible hitherto. For instance, if you have a $50 specialist copay, that’s what you’ll pay to see a professional—whether or not you have met your deductible.

Most plans cover preventive services at 100%, meaning you will not owe anything.

What Is Coinsurance?

Health Policy Coinsurance

Coinsurance means the percentage of covered medical costs you pay after you’ve met your deductible. Your health insurance program pays the rest. For instance, if you have an “80/20” plan, it means your policy covers 80%, and you pay 20%—up until you reach your maximum out-of-pocket limit.

Still, coinsurance only applies to covered services. If you have costs for services that the plan does not cover, you’ll be responsible for the bill. If you are not sure what your plan covers, review your benefits booklet, or call your plan provider.

What Are Out-of-Pocket Maximums?

After you reach your out-of-pocket maximum, your health insurance plan covers 100% of all covered services for the remaining part of the year. Any dollar you spend on deductibles, copays, and coinsurance counts toward your out-of-pocket maximum. Nevertheless, premiums do not count, and neither does anything you spend on services that your plan doesn’t cover.

Like deductibles, you might have two out-of-pocket limits—an individual one and a family one.


When you buy a health insurance plan, the plan descriptions always stipulate the premiums (the amount you pay each month to have the plan), deductibles, copays, coinsurance, and out-of-pocket limits. Generally, premiums are higher for plans that provide more favorable cost-sharing benefits.

If you’re generally a healthy and cautious person, a low-cost plan with higher limits may work. Though, if you expect to have significant healthcare expenses, it might be worth it to spend more on premiums every month to have a plan that will cover more of your costs.

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What our
Client Think About Us!

The process was easy and seamless. My contact person was very supportive and patient with me. He took time to respond to all my queries, and explained the options at my disposal. I got all the information I needed to choose and sign up for my current insurance plan. I would definitely recommend National Health Connect!
Linet W.