Does a plan that lists "0% coinsurance after deductible" for nearly all categories tend to have higher copays and other costs before deductible is met?

I'm looking through insurances and this is something that has me scratching my head. One plan lists for nearly all it's categories of different costs (doctor visit, specialist, lab work, etc.) "0% coinsurance after deductible" where as I see some similar plans lists 20% or 40% coinsurance. I understand this to mean after my deductible I won't have to pay for anything with the first plan, but the other plans I still pay a percentage of the cost.

I'm confused because the first plan, with 0%, has a lower premium than the others. To me it wouldn't make sense for a plan to have more coverage after the deductible if it had a lower premium. Is this because the plan will cover fewer costs before the deductible, so I'd have higher copays for visits, drugs, and pay a larger percentage of lab and procedure costs?

I'm not expecting to meet this plan's deductible based on my costs last year, but if I pay double for all my visits I just might.

submitted by /u/strwrs12
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