Privately insured Americans increasingly face health plan deductibles,1 which can elevate exposure to financial risk2 and may lead to delayed or foregone care.3,4 It is unknown to what extent these deductibles increase financial risks and decrease the ability to afford care among Americans with chronic conditions who could be more vulnerable to such outcomes. Our objectives were to compare associations between private health plan deductibles and out-of-pocket (OOP) spending, high medical cost burdens, and cost-related access barriers among nonelderly US adults with chronic conditions.
Segel JE, Kullgren JT. Health Insurance Deductibles and Their Associations With Out-of-Pocket Spending and Affordability Barriers Among US Adults With Chronic Conditions. JAMA Intern Med. Published online January 09, 2017. doi:10.1001/jamainternmed.2016.8419