(NYT) Many Say High Deductibles Make Their Health Law Insurance All but Useless

“The deductible, $3,000 a year, makes it impossible to actually go to the doctor,” said David R. Reines, 60, of Jefferson Township, N.J., a former hardware salesman with chronic knee pain. “We have insurance, but can’t afford to use it.”

In many states, more than half the plans offered for sale through HealthCare.gov, the federal online marketplace, have a deductible of $3,000 or more, a New York Times review has found. Those deductibles are causing 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 in the game.

“We could not afford the deductible,” said Kevin Fanning, 59, who lives in North Texas, near Wichita Falls. “Basically I was paying for insurance I could not afford to use.”

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6 comments on “(NYT) Many Say High Deductibles Make Their Health Law Insurance All but Useless

  1. Marie Blocher says:

    In other words, they are what used to be called Major Medical Insurance, useful only when one had a catastrophic illness or accident.

  2. Milton Finch says:

    Exactly Marie. When the company my wife worked for made her insurance comply with Democare, her deductible went from $150.00 for the year to $6,000.00.

  3. Undergroundpewster says:

    Yep, and when they get a catastrophic illness like cancer, many cannot continue paying that high deductible year after year for treatments, scans, and follow up care.

  4. dwstroudmd+ says:

    But, but, but, they have insurance! Hope and change, too! Just not the insurance they hoped for and there’s nothing to change it now! Go Demmies, go.

  5. Steven says:

    Part of the problem is that while we speak of “health insurance,” what we actually mean and want is pre-paid (preferably by someone else) and cost-shared health care.