The policyholder's portion of the bill, not covered by the insurer, is called:

• A. Cost sharing
• B. Coverage
• C. Rebate
• D. Subsidy

Answer: (A)

Cost sharing is the portion of medical costs that the policyholder pays out of pocket after the insurer applies coverage. This includes amounts like deductibles, fixed copayments, and coinsurance—basically the parts of a bill that aren’t covered by the insurer. The other terms refer to different ideas: coverage is the protection the policy provides, a rebate is money returned to the policyholder in some situations, and a subsidy is financial help to pay premiums. In this context, cost sharing best describes the policyholder’s share of the bill.