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5/17/15

Insurance Industry Study: One in four Americans who purchased insurance still can't afford medical care

Just because you have health insurance doesn't mean you can afford medical care, as this Families USA study concluded.

One in four people who bought health insurance on their own in the US couldn’t afford medical care last year, according to a study released Thursday that shows out-of-pockets costs are still getting between Americans and their doctors despite Obamacare’s progress in cutting the ranks of the uninsured.

One in four people who bought health insurance on their own couldn’t afford medical care last year, according to a study released Thursday that shows out-of-pockets costs are still getting between Americans and their doctors despite Obamacare’s progress in cutting the ranks of the uninsured.

Families USA studied people who purchased insurance in the non-group market — they weren’t covered through their jobs or a public program — in 2014, the first full year for which Obamacare’s marketplace was fully operational, and found 25.2 percent struggled to get care or pay for needed drugs.

Some of those studied entered Obamacare’s health exchanges, while others sought out coverage in the off-exchange market.

Lower and middle-income people were hit especially hard by high deductibles — the amount that must be paid before insurers will pay a claim — and other expenses that come straight from their wallets.

Read more: Blog: Study: One in four Americans who purchased insurance still can't afford medical care

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