Out of Pocket Spending

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An examination of surprise medical bills and proposals to protect consumers from them

An examination of surprise medical bills and proposals to protect consumers from them

The term “surprise medical bill” describes charges arising when an insured person inadvertently receives care from an out-of-network provider. Surprise medical bills can arise in an emergency when the patient has no ability to select the emergency room, treating physicians, …

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 …

How affordability of health care varies by income among people with employer coverage

How affordability of health care varies by income among people with employer coverage

The affordability of health insurance and health care continue to be key public concerns.  While recent policy discussions have largely focused on the adequacy of financial assistance for those covered in ACA marketplaces and the nongroup market, millions of people …

What are recent trends and characteristics of workers with high drug spending?

What are recent trends and characteristics of workers with high drug spending?

Prescription drug spending grew rapidly between 2014 and 2015, but increases have been more modest recently. Several studies by the federal government, pharmacy benefit managers, and insurers point to high prices for new “specialty” drugs as driving the spike, in …

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 …