... charges). The remaining share of the costs is the co-insurance, which is billed to the beneficiary. Similar to co-payments, the co-insurance percentage may vary by the type of service and whether the ... pay. They currently have another $4,000 in medical debt.“Years ago, the insurer just paid the bill,” says Patricia. “You went to the doctor and the insurer just paid. Now, there are all these ... temporarily continue the health insurance they had through their employer by paying the full cost of the insurance themselves (see factbox). However, COBRA is expensive and the coverage usually...