After you have paid your deductible, you still may be required to pay co insurance. This is a small percentage of your medical bills that you’ll pay after paying for your deductible. So for example, if you have a $1,000 deductible with an 80/20 plan you will pay your $1,000 deductible, then 20% of any of your medical bills up until you meet your max out of pocket. After you have met your max out of pocket, 100% of any qualified expenses will be covered.