The share of costs covered by your insurance that you pay out of your own pocket. This term generally includes deductibles, coinsurance, and copayments, or similar charges, but it doesn't include premiums, balance billing amounts for non-network providers, or the cost of non-covered services. Cost sharing in Medicaid and CHIP also includes premiums.Related ContentGetting lower costs: How to save on out-of-pocket health care costsHow to choose Marketplace insurance: Out-of-pocket costs