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The Challenges Of High-Deductible Plans For Chronically Ill People
When it comes to health care, the United States is witnessing two fundamentally incompatible trend lines. High-deductible health plans (HDHPs) represent an increasing share of the health insurance Marketplace. Nearly 70 percent of mid to large employers offer HDHPs to employees and for 13 percent, an HDHP is the only option offered. In 2011, roughly a quarter of Americans between the ages of 18 and 64 had HDHPs as their primary insurance either through an employer or individually purchased. In 2016, that share had grown to 39.3 percent. One in four covered employees now have single-person deductibles of at least $2,000 a year.
LAURA E. WEIDNER
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