deductibles, cost-sharing, premium tax credits-- there are many health benefits -Aspekten that many Americans do not fully understand. to make a decision about the health benefits can be difficult if there is a learning curve exists. After Assessment and steps: put together a report from the field after the first year of its consumer assistance under the ACA , a report by the Kaiser Family Foundation and the Robert Wood Johnson Foundation, health care and insurance expertise barriers are "very large . " will help in this article to break the health care literacy barrier.
The Healthcare Benefit Literacy barrier
The Kaiser Family and Robert Wood Johnson Foundations held a national roundtable with market Assis Marketers to find out about the challenges the consumers with choosing a to support health plan. The report has been compiled based on the answers of the roundtable discussion.
consumers was highlighted one of the biggest challenges in the report to educate health care benefits. Participants reported that many consumers had difficulty plan to make decisions and effectively due to the fact that many consumers are not basic health benefits understood with their coverage concepts.
According to the report, "many consumers do not understand basic concepts such as deductible works or why premiums must be paid every month" In addition, "many consumers to understand difficulties ACA premium and cost-sharing subsidies had
click here to vector read Taking and steps .. A report from the field after the first year of its consumer assistance under the ACA
to the Healthcare Benefit Literacy Barrier down-breaking
here explanations of health are terms that consumers have a difficult time understanding who .:
cost sharing subisdies: cost sharing subsidies are designed to individuals and families and for their deductible, coinsurance pay copayments to help. the cost sharing subsidies are in addition to the premium tax credits available to pay for their monthly health insurance premium to help eligible persons.
The cost-sharing subsidies essentially allow individuals and families to pay a standard silver-plan, but richer benefits. According to the report, consumers understand the concept better if they deductible as described
"Upgrade". starts the amount paid for covered care before the insurance company to pay. For example, a family or individual will have to pay $ 500 out-of-pocket for covered services before the insurance pays; , This would make a $ 500 deductible
be individuals shared responsibility: (individual mandate) if an individual health insurance to buy, the failed qualifies as minimum essential coverage and do not qualify for an exemption, they are the single shared responsibility payment payable.
According to the report, the report, there is a need for a "better terminology is problematic terms such as" punishment "to replace the descriptor, which, if it happens to consumers not enroll"
Premium tax credit .: as part of the ACA, the federal government to help more affordable individual health insurance coverage through the health insurance market many people buy premium tax credit offers.
The premiums' to employees may be employed loans health insurance tax "to pay advanced", ie they are when they buy health insurance. According to the report, consumers understand the concept better when they described as "monthly discount coupon."
Additional Resources
help to describe provisions With a better understanding of language, health services and ACA to make a well-informed health care decisions.
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Learn about individual health insurance terms here.
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Learn more about the health plan costs here.
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here to find out more about the types of health insurance.
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