Only about a third of consumerscan correctly define all three of the most common health careexpenses — premiums, copays and deductibles. (Photo:Shutterstock)

Knowledge is power, and ignorance is definitely not bliss.

Just ask the people who responded to this year's PolicygeniusHealth Insurance Literacy Survey —many don'tknow what's covered in their health plans, many can't correctlydefine premiums, copays and deductibles, and because of theiruncertainty, more than a few have skipped out on going to thedoctor.

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Katie Kuehner-Hebert

Katie Kuehner-Hebert is a freelance writer based in Running Springs, Calif. She has more than three decades of journalism experience, with particular expertise in employee benefits and other human resource topics.