Certain policy changes over theyears have provided more risk protection to low-income groups buthave increased out-of-pocket risk for those in a higher-incomegroup.(Photo: Shutterstock)

There is nothing like a pandemic to get people thinking aboutthe high cost-sharing requirements in their health insurancecoverage. But of course this is nothing new. High deductibles andout-of-pocket maximums, combined with out-of-network bills forphysician services, leave many insured Americans facing very highout-of-pocket costs. According to federal data, average deductiblesin employer plans more than doubled between 2008 and 2017. Formany, this results in an unaffordable burden.

But a recent study released by The Commonwealth Fund found thatthere is a significant higher impact for those in a certain incomelevel when it comes to out-of-pocket spend.

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Heather Nevitt

Heather D. Nevitt is the Editor-in-Chief of Corporate Counsel and Global Leaders in Law.