The share of insurance costs that you pay out of your own pocket relating to deductibles, coinsurance, and copayments, or similar charges. Premiums, balance billing amounts for non-network providers, and the cost of non-covered services are also healthcare expenses you pay out of pocket, however these are not considered part of insurance cost sharing.
More about this topic
Coinsurance, Copay, Deductible – What’s the Difference?
Health Insurance Deductibles 101
Can’t Afford Obamacare – Help Paying for High Deductible Health Insurance