| Product Type | Average Coinsurance | Average Copayment |
|---|---|---|
| HMO | 40.1% | $17.67 |
| POS | 35.1% | $18.00 |
| PPO | 35.0% | $18.62 |
| All | 35.7% | $18.00 |
Note: Average coinsurance is the average (across products using coinsurance) of the consumer's share of cost, expressed as a percentage of total cost. Average copayment is the average across products using copayments.