US Medical Term · insurance
Cost Sharing
Costo compartido
Also: Coseguro compartido (regional variant)
In 9 languages
| Language | Term |
|---|---|
| English | Cost Sharing |
| Spanish (Español) | Costo compartido |
| Chinese (中文) | 費用分擔 |
| Korean (한국어) | 비용 분담 |
| Vietnamese (Tiếng Việt) | Chia sẻ chi phí |
| Filipino (Tagalog) | Pagbabahagi ng gastos |
| Portuguese (Português) | Compartilhamento de custos |
| Thai (ภาษาไทย) | การแบ่งปันค่าใช้จ่าย |
| Japanese (日本語) | 自己負担 |
What it means
Cost sharing refers to the portion of covered health care costs that you, the patient, pay out of pocket rather than your insurer. It includes your deductible, copays, and coinsurance. For example, if your plan has a $1,000 deductible and 20% coinsurance, you pay the first $1,000 of covered services and then 20% of costs after that until you reach your out-of-pocket maximum. Cost sharing encourages patients to be thoughtful about health care use and is a key factor when comparing plans. ACA marketplace plans offer cost-sharing reduction subsidies to qualifying lower-income enrollees, which lower deductibles and copays on Silver-tier plans.
How to say it
Sentences a patient might use with a doctor, nurse, pharmacist, or insurer:
What are my cost-sharing responsibilities for this hospital stay?
¿Cuáles son mis responsabilidades de costo compartido para esta hospitalización?
I qualify for cost-sharing reductions — can you confirm they are applied to my plan?
Califico para reducciones de costo compartido — ¿pueden confirmar que están aplicadas a mi plan?
Can you break down the cost-sharing amounts for this visit on my EOB?
¿Pueden desglosar los montos de costo compartido de esta visita en mi Explicación de Beneficios?
Where you'll see it
Related terms
Sources
Last reviewed: September 2026