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Research Letter
January 9, 2017

Health Insurance Deductibles and Their Associations With Out-of-Pocket Spending and Affordability Barriers Among US Adults With Chronic Conditions

Author Affiliations
  • 1Department of Health Policy and Administration, Pennsylvania State University, University Park
  • 2Penn State Hershey Cancer Institute, Hershey, Pennsylvania
  • 3Veterans Affairs Center for Clinical Management Research, Veterans Affairs Ann Arbor Healthcare System, Ann Arbor, Michigan
  • 4Department of Internal Medicine, University of Michigan Medical School, Ann Arbor
  • 5University of Michigan Institute for Healthcare Policy and Innovation, Ann Arbor
JAMA Intern Med. Published online January 9, 2017. doi:10.1001/jamainternmed.2016.8419

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.

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