There is an important  health insurance cost share freeze that is going to expire that no one is currently discussing with the potential to affect millions of Americans. At midnight January 1, 2022, the moratorium on insurance cost share for COVID ends. This means that insurance plans can treat COVID like any other medical condition resulting in patients being responsible copays, deductible, and maximum out of pocket expenses. Many commercial insurance companies have stated they do intend to continue fully covering vaccinations, screenings, and tests to diagnose for COVID; but if found positive, treatment will cost the patient.