Employers are asking employees to pay more for health care through higher premium contributions, share of contribution, and out-of-pocket maximums, along with variations in deductibles, copays, and coinsurance based on choice of providers, networks, drugs, and other services. This issue brief examines consumer cost-sharing trends in private insurance, discusses the outlook for cost sharing in employment-based benefits, and considers public policies to support health care markets for consumers.
Goff, Veronica V., "Consumer Cost Sharing in Private Health Insurance: On the Threshold of Change" (2004). National Health Policy Forum. Paper 127.