What is a deductible, coinsurance, copayment?

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What is the difference between a deductible, coinsurance, and copayment? And why do I have to pay them if I have insurance?
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They abuse the people.. Smh honestly I made better by paying cash when I went to doctor.. We are just giving them Free money every month and not using it year after year. Thank you for explaining this..

tj
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