"[W]hile a handful of states required or created agreements with insurers to waive COVID-19 out-of-pocket treatment costs for their fully-insured plan enrollees, there is no federal mandate requiring insurers to do so. Earlier in the pandemic, ... the vast majority (88%) of people enrolled in fully-insured private health plans nonetheless would have had their out-of-pocket costs waived if they were hospitalized with COVID-19.... 72% of the two largest insurers in each state and D.C. (102 health plans) are no longer waiving these costs, and another 10% of plans are phasing out waivers by the end of October."