Three-quarters of those surveyed by the American Institutes for Research (AIR) said they have a strong understanding of how to use health insurance, but only one in five were actually able to correctly calculate how much they would owe for a routine doctor's visit when faced with co-payments, deductibles and co-insurance. The new survey highlights a literacy gap that the authors say could result in many Americans dealing with unexpected out-of-pocket expenses. “Because many people believe they know more than...