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Analysis

High Deductibles Could Backfire on Insurers, Employers

By Gregory A. Freeman  
   October 12, 2016

More people are turning down services recommended by their physicians because they can't afford the out-of-pocket costs.

The high deductible health insurance plans that are plaguing consumers could end up biting the insurers and employers too, if people are dissuaded from seeking necessary medical care.

That's the prediction of one analyst who says high deductible plans may have been the insurers' best attempt at making Obamacare work, but they could turn out to be one more threat to the viability of the industry.


High Deductibles are Here to Stay. Here's Why That's OK.


Consumers who have not met their deductibles for the year, and at any time that's a large proportion of the insured, are looking for ways to save money on healthcare expenses, says Mike Ducote, chief operating officer of CirraGroup, a company that assists consumers with healthcare debt resolution.

Gregory A. Freeman is a contributing writer for HealthLeaders.


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