The ACA is ... expected to cause a “seismic shift” in HDHP enrollment. Small employers newly required to purchase employees’ insurance may well choose HDHPs as the least expensive coverage option. Larger employers might adopt HDHPs to achieve ACA-regulated premium levels and avoid the 2018 “Cadillac tax.”
For individuals without employer-based insurance options, ACA-instituted health insurance exchanges will provide coverage at four levels of generosity (bronze, silver, gold, and platinum) to 5 to 10% of Americans younger than 65…Cover Oregon, for example, estimates that cost sharing for Oregon families with incomes between 200 and 399% of the poverty level will include $5,000 deductibles, 30% coinsurance for many services even after reaching the deductible, and out-of-pocket spending maximums of $8,500 to $12,700.
Source: New England Journal of Medicine. Hat tip: John Goodman's Health Policy Blog.
