Affordable To Buy, Costly To Use

Article excerpt

A new analysis reveals that cheap insurance premiums mask the real burden of healthcare costs. Many Americans with low-premium plans face steep deductibles, copays, and out-of-pocket expenses that effectively price them out of needed care. The distinction matters: true affordability requires both accessible insurance and manageable actual costs, not just an attractive sticker price. Without addressing the full spectrum of healthcare expenses, not just monthly premiums, millions remain effectively uninsured despite having a policy in hand.