Cost Sharing
Cost sharing is the portion of health care costs a beneficiary pays out of pocket, including deductibles, copayments, and coinsurance. It is separate from the monthly premium paid to keep coverage in force.
Definition
Cost sharing is the portion of health care costs a beneficiary pays out of pocket, including deductibles, copayments, and coinsurance. It is separate from the monthly premium paid to keep coverage in force.
Why it matters
Total expected cost sharing, not just premium, determines the real affordability of a plan for a given patient's expected utilization.
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