Cost sharing describes health care costs that are shared between you and your insurer.

If a service has an out-of-pocket cost to you, such as a coinsurance or copay, then you’ll pay the amount determined by your plan and your insurer will cover the rest of your cost (thus sharing the cost with the insurer).

NOTE: Some cost sharing amounts only apply before you meet your deductible, and in most cases there is no cost sharing for in-network services after you meet your maximum.