Few Uninsured Families Can Cover Cost In HSA-Qualified Plans
"Comparingthe Assets of Uninsured Households to Cost Sharing Under High Deductible HealthPlans," Health Affairs: For the Web exclusive, Kaiser Family Foundation researcher Paul Jacobsand Gary Claxton, a Foundation vice president and director of its Health CareMarketplace Project, used data from the 2004 Survey of Consumer Finances to analyze the asset levels ofhouseholds with two or more uninsured members in 2004 and compared them to therange of cost sharing features in health savings account-qualified health plansin that year.
The analysis found that relatively few uninsured households haveenough financial assets to cover cost sharing in consumer-driven health planstied to HSAs. The analysis also found a considerable gap between the financialassets of insured households compared to those with uninsured members, whichpersisted even among those with relatively low incomes (Kaiser FamilyFoundation release, 4/15).
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