miércoles, 7 de diciembre de 2016

Low-Income Americans With Employer-Sponsored Insurance Face Financial Burdens From High-Deductible Plans

AHRQ News Now

Low-Income Americans With Employer-Sponsored Insurance Face Financial Burdens From High-Deductible Plans

Among enrollees in employer-sponsored insurance, those with family incomes below 250 percent of poverty were significantly more likely to experience financial burdens than middle- and high-income enrollees, according to a new AHRQ study. The likelihood of financial burdens increased sharply with plans that had higher deductible levels among low-income enrollees, according to the study, which appeared in the December issue of Health Affairs. Authors of the study, “The Financial Burdens of High-Deductible Plans,” used 2011-2013 data from AHRQ’s Medical Expenditure Panel Survey to conduct the analysis. They found that more than a quarter of low-income adults enrolled in employer-sponsored high-deductible plans faced family out-of-pocket insurance premiums and health care spending that exceeded 20 percent of after-tax family income. Access the study abstract.


The Financial Burdens Of High-Deductible Plans

  1. Patricia Keenan3
+Author Affiliations
  1. 1Salam Abdus (salam.abdus@ahrq.hhs.gov) is a senior economist at the Center for Financing, Access and Cost Trends at the Agency for Healthcare Research and Quality, in Rockville, MD.
  2. 2Thomas M. Selden is director of the Division of Research and Modeling, Center for Financing, Access and Cost Trends, at the Agency for Healthcare Research and Quality.
  3. 3Patricia Keenan is a senior economist in the Office of the Director at the Agency for Healthcare Research and Quality.
  1. *Corresponding author

Abstract

The increased prevalence of high-deductible health plans raises concerns regarding high financial burdens from health care, particularly for low-income adults.

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