High Deductible Plans and other patient out of pocket expenses here to stay ...

HEALTH PLANS WITH high deductibles are the fastest growing type of health insurance in the United States. More than a quarter of employers provide this kind of plan for their employees, and, last year, they made up 85 percent of all plans sold on the Affordable Care Act’s health insurance exchanges. These plans often save insurers and employers money — and not only by shifting more costs onto consumers. They actually result in less medical care used and, in total, cost less than more generous plans.

From a pure cost-containment standpoint, this is a victory. Generous health insurance insulates consumers from the true price of their care, encouraging overuse and driving up costs without meaningful benefit to health. That adds up — US health care spending reached $2.9 trillion in 2013, the highest in the world per capita. Unnecessary medical services cost everyone.

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http://www.bostonglobe.com/ideas/2015/06/25/how-health-plans-with-high-deductibles-became-new-normal/06TD5uBm2oUXK2d4MMEbbM/story.html