Issue Brief

No. 798

Consumer Cost Sharing in Private Health Insurance: On the Threshold of Change
May 14, 2004

Author

Veronica V. Goff, Consultant

Summary

Employers are asking employees to pay more for health care through higher premium contributions, share of contribution, and out-of-pocket maximums, along with variations in deductibles, copays, and coinsurance based on choice of providers, networks, drugs, and other services. This issue brief examines consumer cost-sharing trends in private insurance, discusses the outlook for cost sharing in employment-based benefits, and considers public policies to support health care markets for consumers.

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