DEDUCTIBLES: PHYSICAL HEALTH VS FINANCIAL HEALTH

Under the Affordable Care Act (ACA) the poor are accessing care, which the middle class increasingly postpone. Eighty percent of employer plans now have deductibles, which averaged  $1,307 during 2014 in the Western states.  Co-pays, co-insurance, and drug costs are additional. Free clinics note that seven percent of their patients have insurance through an employer. Employers have been cutting back on benefits for decades without a corresponding rise in wages. The American Academy of Pediatrics states high deductible plans are a less desirable way to lower health care costs. Laura Ungar and Jayne O'Donnell explore the trends and health consequences of high deductible policy in their article "Dilemma over deductibles: Costs crippling middle class" appeared in USA Today on 1-1-15.  LEARN MORE.