The portion of a medical bill paid by the patient as part of insurance is:

• A. Cost sharing
• B. Premium
• C. Deductible
• D. Copayment

Answer: (A)

Cost sharing is the portion of healthcare costs that the patient pays as part of their insurance. When you receive services, the insurer covers part of the bill and the patient pays the rest according to the plan’s rules. This umbrella term includes copayments (a fixed fee at the time of service), deductibles (the amount you must pay before coverage kicks in), and coinsurance (a percentage of the allowed amount after the deductible). The premium, by contrast, is the monthly amount paid to keep the policy active and isn’t a payment tied to a specific bill. So the patient’s share on a bill is best described as cost sharing.