Listen: Cheap Health Insurance Isn’t Always Cheap
Across the country, people are choosing lower monthly premiums in exchange for higher out-of-pocket risk. Reporter Jackie Fortiér explains what the shift means for Americans’ health and wallets.
High-Deductible Plans
1 - 20 of 36 Results
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How To Make a High-Deductible Health Plan Work for You
Lower premiums often mean higher costs when you get sick and need care. Among the ways to plan ahead and soften the financial hit: health savings accounts, which act like a medical piggy bank.
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Evidence Shows ACA’s Mandated Benefits Alone Don’t Drive Up Costs. The Debate Continues.
The Affordable Care Act put in place a package of benefits that health insurance plans must cover. Critics contend this mandate has jacked up premiums. Evidence supporting that claim is mixed.
By Julie Appleby and Sarah Boden -
Trump Team’s Planned ACA Rule Offers Its Answer to Rising Premium Costs: Catastrophic Coverage
Sweeping changes to the Affordable Care Act marketplace next year have been proposed by the Trump administration that focus on making more insurance plans available with higher annual out-of-pocket costs but lower premiums.
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Trump’s Idea for Health Accounts Has Been Tried. Millions of Patients Have Ended Up in Debt.
Republican calls to give Americans cash instead of health insurance subsidies double down on a decades-old strategy of moving people into high-deductible plans with health savings accounts.
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Out-of-Pocket Pain From High-Deductible Plans Means Skimping on Care
High-deductible health insurance plans are increasingly common, and many more enrollees will likely need to choose such plans for the coming year. For those with chronic conditions like diabetes, the gamble can mean compromised care and long-term consequences.
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Team Trump’s Answer to Ballooning Obamacare Premiums: Less Generous Coverage
Tens of millions of people face sticker shock enrolling in Affordable Care Act insurance for 2026. To save money, the Trump administration wants them to consider less generous coverage.
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Diagnosis: Debt
Trump Voters Wanted Relief From Medical Bills. For Millions, the Bills Are About To Get Bigger.
Moves by the Trump administration to pare back Medicaid, rescind medical debt rules, and loosen vaccine requirements threaten to increase medical bills for millions of Americans.
Wrestling With a Giant: How to Dispute a Hospital Bill
Season 9, Episode 3One listener tried to dispute a $1,300 “facility fee” with the treating hospital, his insurer, a bill-mediation service provided by his employer, and finally a debt collector. He didn’t win, but he learned valuable lessons about advocating for hospital discounts.
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The $18,000 Breast Biopsy: When Having Insurance Costs You a Bundle
An online calculator told a young woman that a procedure to rule out cancer would cost an uninsured person about $1,400. Instead, the hospital initially charged almost $18,000 and, with her high-deductible health insurance, she owed more than $5,000.
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Essential Worker Shoulders $1,840 Pandemic Debt Due To COVID Cost Loophole
Carmen Quintero had symptoms of COVID-19, couldn’t get tested and ended up with a huge bill. She also was told to self-isolate and assume she had the coronavirus — which is hard when you live with elders.
By Sarah Varney -
Listen: How High-Deductible Plans Hurt Rural America
KHN senior correspondent Markian Hawryluk joined Colorado Public Radio’s Avery Lill on “Colorado Matters” to discuss his recent story on how high-deductible health plans are especially hurting the financial health of patients and hospitals in rural America.
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High-Deductible Plans Jeopardize Financial Health Of Patients And Rural Hospitals
Small hospitals and patients in rural areas have been hit hard by the boom in high-deductible health plans. Often when a patient arrives at a rural hospital needing critical care, the person is stabilized and transferred to a larger facility. But bills from the first site of care generally get applied to the patient’s deductible. When patients can’t afford their deductible, the smaller hospital winds up eating the costs.
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Nothing To Sneeze At: The $2,659 Bill To Pluck Doll’s Shoe From Child’s Nostril
A 3-year-old girl put matching doll shoes up her nose. One came out easily. The second required an emergency department visit ― and generated a bill that is not child’s play.
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Employers Are Scaling Back Their Dependence On High-Deductible Health Plans
Firms are offering more traditional plans alongside or instead of the plans with sky-high deductibles that may have been the only option in the past. The change comes as employers are finding that workers like the predictability of a traditional plan and that providing more generous plans can help with recruiting in a tight labor market.
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KHN’s ‘What The Health?’: Impeachment And The Health Agenda
Washington is abuzz with impeachment talk, but what impact would such a move have on congressional action on prescription drug prices and surprise bills? Also, a study out this week shows that health insurance costs for both employers and workers continue to rise. This week, Joanne Kenen of Politico, Paige Winfield Cunningham of The Washington Post and Rebecca Adams of CQ Roll Call join KHN’s Julie Rovner to discuss these issues and more.
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Market Muscle: Study Uncovers Differences Between Medicare And Private Insurers
Findings released Thursday by the Rand Corp. highlight how reimbursement rates vary nationally and the impact the charges have on the nation’s high cost of health care.
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Insured But Still In Debt: 5 Jobs Pulling In $100K A Year No Match For Medical Bills
An Arizona couple played by the rules and bought employer-provided health insurance. But after they had a baby this year, their out-of-pocket hospital costs and doctors’ bills climbed to more than $12,000 — and medical debt now threatens their new family.
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High-Deductible Health Plans Fall From Grace In Employer-Based Coverage
Once viewed as a promising cost-control tool, such insurance faces new competition on benefits menus from more traditional insurance. But, according to new research, none of those choices is getting less expensive.
By Jay Hancock -
Taking A U-Turn On Benefits, Big Employers Vow To Continue Offering Health Insurance
Three years ago, only about a quarter of the nation’s large employers were very confident they would have a health plan in 10 years. That number has now risen to 65 percent.
By Jay Hancock