Know Before You Go
How Friendly Is Your State
to Cost Sharing?
Straight answers, state by state. Every rating below is built on laws, regulations, and legal cases — not opinions — and every non-neutral rating shows you its sources. Click any state to see exactly why it's rated the way it is.
A member benefit
The State Guide is one of the tools we built for our members. Sign in to explore the interactive friendliness map and facility directory, or join the community to unlock it.
Interactive map
See how friendly all 50 states and D.C. are to cost sharing, at a glance.
Sourced ratings
Every non-neutral rating is built on statutes, regulations, and legal cases you can check yourself.
Facility directory
Leading medical facilities in every state, with how they work with cost-sharing members.