Cost Sharing

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An analysis of out-of-network claims in large employer health plans

An analysis of out-of-network claims in large employer health plans

Being unable to afford health care when it is needed is one of the major worries of families, even those with insurance.  Overall cost sharing (i.e., deductibles, copayments, and coinsurance) has been increasing in employer plans, and enrollees who use …

What do we know about people with high out-of-pocket spending?

What do we know about people with high out-of-pocket spending?

This chart collection explores the distribution of out-of-pocket spending among people with large employer coverage using the Truven Health Analytics MarketScan Commercial Claims and Encounters Database. We examine trends in out-of-pocket spending by people with employer coverage from 2005 to …

Examining high prescription drug spending for people with employer sponsored health insurance

Examining high prescription drug spending for people with employer sponsored health insurance

Recent surveys have found that while most people taking prescriptions are able to afford the costs, a sizable share reports having difficulty affording their medication (26% of those taking prescription drugs, or 14% of the total population). Nearly one in …