Chicago Tribune, October 30, 2012

High-deductible plans set a threshold for medical expenses that an individual must pay for before insurance kicks in. Studies show people on these plans are three times more likely to delay or skip care than people on traditional plans. Over the next 18 months, between one quarter and one half of Americans who get insurance coverage through their employers will pay more of their doctor bills themselves as companies roll out healthcare plans with higher deductibles.

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