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Nonstop Wellness Blog

High-quality benefits for nonprofits.

The Missing Debate Over Rising Health-Care Deductibles - WSJ

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Drew Altman writes on increasing deductible costs, “which are transforming the nature of health insurance from more comprehensive coverage to skimpier insurance with higher out-of-pocket costs.” 

Read the full original article from The Wall Street Journal.

Altman notes that this change has come on gradually and not as a result of the Affordable Care Act or any policy shifts, as it started before the ACA was passed. The lack of association with the controversial healthcare bill has left rising deductibles essentially out of the debate around current healthcare. He calls it “the most important development in the U.S. health system the public is not debating.”

Those who opt for healthcare plans with lower deductibles are seeing increases in premiums instead - even those who receive healthcare benefits from their employers are now having to pay out-of-pocket for those benefits. One solution to this problem is partial self-insurance. Employers can save a baseline of 12.5% on healthcare spend while eliminating those rising out-of-pocket costs for employees. Download the Nonstop Quick Guide to Partial Self-Insurance to learn more:

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The information and materials herein are provided for general information purposes only and are not intended to constitute legal or other advice or opinions on any specific matters and are not intended to replace the advice of a qualified attorney, plan provider or other professional advisor. This information has been taken from sources believed to be reliable, but there is no guarantee as to its accuracy. In accordance with IRS Circular 230, this communication is not intended or written to be used, and cannot be used as or considered a ‘covered opinion’ or other written tax advice and should not be relied upon for any purpose other than its intended purpose