The Deductibles Are Too Darn High: Researchers Assess ACA Plan Shortcomings
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Mar 28, 2025
While it’s no surprise that lower health insurance premiums mean higher deductibles, some consumers, researchers and others might not realize what that can mean for the Affordable Care Act marketplace’s silver and bronze plans.
In Charleston, South Carolina, $360 per month can get an $8,250 deductible and a $9,450 out-of-pocket (OOP) maximum for an individual above 250% of the federal poverty level (FPL). In Cheyenne, Wyoming, $773 per month buys a $5,900 deductible and $9,100 OOP max. And in Philadelphia, $383 per month can mean a $0 overall deductible — but a $5,000 prescription drug deductible and $9,450 OOP max.
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