Key Takeaways
- Cost-sharing is what you pay beyond your premium when you actually use care.
- It typically takes the form of deductibles, copays and coinsurance.
- Low-premium plans often carry higher cost-sharing.
Cost-sharing is the insurance term for the fact that, on top of your premium, you also pay something toward the services you receive. In other words, paying a premium does not make your care free — you still chip in when you use it.
Cost-sharing usually comes in the form of deductibles, copays and coinsurance.