Cost Sharing

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Tracking the rise in premium contributions and cost-sharing for families with large employer coverage

Tracking the rise in premium contributions and cost-sharing for families with large employer coverage

As health costs rise, enrollees in large employer plans face higher health spending both through rising premium contributions and increased cost-sharing when they use services. On average, health spending by families with large employer health plans has increased two times …

Deductible Relief Day: How rising deductibles are affecting people with employer coverage

Deductible Relief Day: How rising deductibles are affecting people with employer coverage

As deductibles have risen and become more common over the past decade, many people with employer-sponsored coverage have faced rising out-of-pocket costs. Out-of-pocket spending is increasingly likely to be in the form of a deductible, which often means enrollees pay …

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 …

An analysis of who is most at risk for high out-of-pocket health spending

An analysis of who is most at risk for high out-of-pocket health spending

As deductibles in health insurance plans have grown, there is concern about the level of out-of-pocket health costs faced by workers and their families with health insurance. In this brief, we present new analysis of the share of people with …