Every presidential candidate is talking about health care in one way or another. The Republican position is to repeal the Affordable Care Act; Hillary Clinton’s is to expand the ACA; and Bernie Sanders would replace the ACA with a “Medicare for all” program.

But, according to Kaiser Health News, none of them are talking about five issues that bring a lot of grief to a number of people, because of the challenges they present.

Out-of-pocket spending is out of control, if you ask most people; employers have been slowly (or not so slowly) and steadily shifting the increasing costs of health care coverage to employees, and it’s not as if people don’t feel the difference in their wallets. Premiums, deductibles, and the patients’ share of medical bills are all on the rise. Then there are the bills for out-of-network services that patients did not know were out of network when the services were provided.

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