In a plan with deductible and coinsurance, when is coinsurance paid?

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Coinsurance starts after you’ve satisfied the deductible. In many plans, you pay 100% of covered costs until you meet the deductible amount. Once that amount has been paid, the plan shares costs with you, typically in the form of a coinsurance percentage you pay of the remaining covered charges, while the insurer covers the rest. This continues until you reach the out-of-pocket maximum, at which point your coinsurance and other cost-sharing may end for covered services. So the timing is that coinsurance is paid after the deductible is satisfied.

It’s not before the deductible, because before meeting the deductible you’re responsible for the full cost of services. It’s not contingent on reaching the out-of-pocket maximum to begin; it applies during the coverage period until the max is reached. And it’s not never—coinsurance is a standard share of costs once the deductible has been met.