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Decoding premiums, co-insurance, co-pays and deductibles has some people reeling
Sacramento Bee

As soon as Deb Emerson, a former high school teacher from Oroville, bought a health plan in January through the state’s insurance exchange, she felt overwhelmed.

She couldn’t figure out what was covered and what wasn’t. Why weren’t her anti-depressant medications included? Why did she have to pay $60 to see a doctor? The insurance jargon – deductible, co-pay, premium, co-insurance – was like a foreign language. What did it mean?