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There must be some incentive for providers not to offer high deductible plans or actual risk-based plans. ACA caps the maximum out of pocket for "essential hea
by rgbrenner 10y ago
There must be some incentive for providers not to offer high deductible plans or actual risk-based plans.
ACA caps the maximum out of pocket for "essential health benefits". For 2017, that means a max deductible of 7150 for an individual, 14300 for a family. It's adjusted for inflation each year.
It's to prevent people who can't pay the high deductible from signing up for these plans to avoid the penalty for not having coverage.
- grandalf 10y agoAhh, I see. I suppose there would be a lot of people choosing the cheaper, high deductible plan and then not paying their bills, which would have made it harder to sell the plan to healthcare firms. If it were fair it would be based on a percent of income like other tax-related laws.
- deleted 10y ago[deleted]