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10% of CA Insured Opt for High-Deductible Health Plans

Cheryl Clark, for HealthLeaders Media, October 29, 2010

"Studies have shown that significant cost sharing may create disincentives for both necessary and unnecessary care," the authors wrote. "While individuals with high-deductible plans may be less likely to utilize the emergency room for care, they may also delay necessary treatment or doctor visits."

The report also states that such high-deductible plans were not limited to PPO insurers, although they had the highest proportion (28%). "Generally, HMO products have much lower cost-sharing requirements than comparable PPOs. However, 14% of commercial HMO members and 12% of commercial Kaiser HMO members reported having a high-deductible plan."

Also, 12% of individuals who were enrolled in employer-based plans that were considered high-deductible.

Cheryl Clark is senior quality editor and California correspondent for HealthLeaders Media. She is a member of the Association of Health Care Journalists.

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