Cost sharing varies by insurance type and within type by plan issuer and type of plan. One notable exception to this general rule is that certain preventive services are required by almost all insurance plan to be provided without cost sharing. These include identified services for women (https://www.hrsa.gov/womens-guidelines), and children (https://www.aap.org/en/practice-management/care-delivery-approaches/periodicity-schedule/), vaccines recommended by the Advisory Committee on Immunization Practices (https://www.cdc.gov/vaccines/hcp/acip-recs/index.html) and A and B recommendations of the U.S. Preventives Services Task Force (https://www.uspreventiveservicestaskforce.org/uspstf/recommendation-topics/uspstf-a-and-b-recommendations).This holds true for both public and private insurance. Cost sharing in Medicare varies based on whether one is enrolled in a Medicare Advantage plan or fee-for-service Medicare and whether one has purchased supplemental insurance. Each state operates its own Medicaid program with differences in cost sharing. Private sector insurance coverage varies across issuers and plans, with greater cost sharing required in high deductible plans, which offer the possibility of establishing Health Savings Accounts that let the consumer set aside funds on a pre-tax basis to pay for qualified medical expenses.