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Have to make


have to make

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By ROBERT PEAR NOV. But for many consumers, the sticker have to make is coming not on the front end, when they purchase the plans, but on the back end when they get sick: sky-high deductibles that are leaving some newly insured feeling nearly as vulnerable as they were before they had coverage.

Those deductibles are simple pickup first date concern among Democrats — and some Republican detractors of the health law, who once pushed high-deductible health plans in the belief that consumers would be more cost-conscious if they had more of a financial stake or skin have to make the game.

But in interviews, a number of consumers made it clear that premiums were only one side of the affordability equation. Half of the plans are above the median, and half below it.

Health officials and insurance counselors cite several mitigating factors. All plans must cover preventive services like spanish friend finder and colonoscopies without a deductible or co-payment.

Some plans may help pay for some items, like generic drugs or visits to a primary care doctor, before patients have met the deductible. Under the Affordable Care Act, health plans must have an overall limit on out-of-pocket costs, to protect people with serious illness against financial ruin. In addition, people with particularly low incomes can obtain discounts known as cost-sharing reductions, which lower their deductibles and other out-of-pocket costs if they choose midlevel silver plans.

You may get a better deal. But for many consumers, the frustration is real, as is the financial strain. In employer-sponsored health plans, deductibles have also been rising as companies shift costs to workers.

But the deductibles are so high they may be scaring away some consumers. I will never be able have to make go over the deductible unless something catastrophic happened to me.

She is extremely nearsighted and has an eye condition that puts her at risk for a detached retina, but has put off visits to a retina specialist because, she said, she would have to pay the entire cost out of pocket. The Fannings dropped the policy in July after he had a one-night hospital stay and she had tests for kidney problems, and the bills started to roll in.

She is glad that she and her husband now have insurance, because he has had tonsil cancerhave to make, heart problems and kidney stones this year. Tell us what you think. Please upgrade your browser. The New York Times. Politics Many Say High Deductibles Make Their Health Law Insurance All but Useless. Clear this text input. Continue reading the main story. You must select a newsletter to subscribe to.

Thank you for subscribing. An error has occurred. Please try again later. You are already subscribed to this email. View all New York Times newsletters. Failed Co-ops Add Ammunition to G. War on Health Law. Many Need to Shop Around on organic-fertilizer.info as Prices Jump, U. Obama Administration Campaign Will Publicize Health Care Subsidies, have to make.

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