《平价医疗法案》中的患者分担费用

根据《平价医疗法案》(ACA),从2014年开始,将在健康保险交易所以及整个个人市场和小团体市场中提供四级健康保险。“Bronze”计划中,保险计划将平均支付承保利益的60%,而参保人员将支付剩余的40%的自付额,共付额和共同保险。个人可以选择以更高的保费购买覆盖范围更广的计划。

The study projects what deductibles and coinsurance would meet the requirements of a 青铜 plan, presenting two alternatives: One with a deductible per individual of $4,375, with consumers paying 20% of their health care expenses once meeting the deductible. The other with a deductible of $3,475 and patient coinsurance of 40%. Under both plans, total patient out-of-pocket costs would be capped at $6,350, as required by the health reform law. Deductibles for families would be double these amounts.

报告 (.pdf)