Having access to affordable health insurance is no guarantee that a consumer will receive the full benefit of coverage.

In fact, a quarter of individuals who bought health coverage in 2014 through an exchange went without medical care included in their insurance because they felt they couldn't pay their share of the cost.

The two most frequently bypassed medical options: follow-up steps for a prescribed regimen of care and follow-up tests and prescription drugs.

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Dan Cook

Dan Cook is a journalist and communications consultant based in Portland, OR. During his journalism career he has been a reporter and editor for a variety of media companies, including American Lawyer Media, BusinessWeek, Newhouse Newspapers, Knight-Ridder, Time Inc., and Reuters. He specializes in health care and insurance related coverage for BenefitsPRO.