While health care inflation has slowed in recent years, it still outpaces actual inflation. This helps explain why many employers continue to pass benefits costs onto employees.
But passing costs onto employees does not necessarily mean efficiency.
The steep cost of emergency services can cause considerable financial strain for high-deductible plan enrollees. What’s more, multiple unnecessary ER visits would quickly exhaust deductibles, at which time high-deductible plans would kick in. That would mean avoidable plan costs potentially driving higher premiums next enrollment season.
The bottom line? Consumerism is about more than passing costs on.
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