Cost sharing—deductibles, co-payments and coinsurance—is intended to lower health insurance premiums. Yet the number of Americans who are underinsured (spending 10% or more of their income on out-of-pocket medical expenses) has doubled since 2003. And the truth is, studies show underinsured families struggle just as much as families with no insurance at all—45% went without necessary healthcare because they couldn’t afford the out-of-pocket costs.
Read these facts about the impact of cost sharing on families around our nation and decide for yourself: Fair or Unfair?