Final answer:
Cost-sharing (out-of-pocket) costs refer to the expenses individuals have to pay themselves when seeking medical care, even with health insurance.
Step-by-step explanation:
Cost-sharing (out-of-pocket) costs for subscribers and patients refer to the expenses that individuals have to pay themselves when seeking medical care, even if they have health insurance. These costs include deductibles, which are fixed amounts that insurance does not cover before paying benefits, and co-insurance payments, where individuals have to pay a percentage of costs. Additionally, individuals may have a co-payment (co-pay), a fixed amount they need to pay for each medical visit.