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.