What is an unsubsidized insurance bill?

There are two ways that this question can be interpreted: Subsidies put in place by government, and ones that are put in place by an employer or other group. In the first case, the word "bill" can be replaced with "law" or rule," where the second case merely looks at your medical billing and the charges it contains.

In the first case, unsubsidized insurance is any type of insurance coverage, generally related to health care or farming, that the policyholder is responsible for paying the entire cost of the insurance plan. Many of the people who speak out against the Obama administration's healthcare reform say that it is creating an industry for unsubsidized insurance where the insurance consumer is forced to pay higher costs because less of the base cost of insurance is being subsidized through other methods.

In the second case, an unsubsidized insurance bill is that part of your medical or other insurance costs that is not paid by the policy, and could include such things as your copays, fee-per-visit, or other costs that fall on you outside of the course of your regular coverage. In this respect, the unsubsidized insurance is the part of your medical costs that is excepted from payment by your health care plan. Many healthcare plans have unsubsidized bills associated with them, although the term is rarely used in this respect.