New Study: Deductibles and Co-Pays are 5x Higher On Exchanges vs Employer Plans


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Sep 4, 2013
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A new study is out by the Kaiser Foundation that indicates the average deductible for employer sponsored health care plan nationwide is $1,135 dollars. The deductible cost on the Obamacare exchanges is $6,350 dollars. For a family the deductible out of pocket cost is $12,700.

Question: What average middle class family can afford to pay $12,700 out-of pocket costs for healthcare plus a 41% average increase in insurance premiums? Wasn't this supposed to be affordable healthcare?

This is the key quote from the New York Times.

"For months, the Obama administration has heralded the low premiums of medical insurance policies on sale in the insurance exchanges created by the new health law. But as consumers dig into the details, they are finding that the deductibles and other out-of-pocket costs are often much higher than what is typical in employer-sponsored health plans."

“The premiums are lower than expected, but consumers on the exchange will often face high deductibles and high co-payments for medical services and prescription drugs before they reach the cap on out-of-pocket costs,” $6,350 for an individual and $12,700 for a family."

"By contrast, according to the Kaiser Family Foundation, the average deductible in employer-sponsored health plans is $1,135."

Here is a link to the full story.

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