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Around 4 in 10 Americans say they don't understand what their health insurance plan covers, according to a new survey from the Pharmaceutical Research and Manufacturers of America, reports Becker’s Payer Issues. One in five respondents surveyed said they have trouble navigating, anticipating and understanding their insurance. The survey also found that 30% of insured Americans face some kind of barrier to care, like unaffordable out-of-pocket costs or a lack of savings to cover emergency medical expenses.