Cost-Sharing for Plans Offered in the Federal Marketplace, 2014-2020
Most health plans require enrollees to pay a portion of the cost when they use services. While there are many forms of cost-sharing — deductibles, copayments, coinsurance – people often focus on the deductible amount because it provides a simple indication of how generous a plan may be. A deductible is the amount that an enrollee must pay toward the cost of in-network covered services before the plan will start paying for most types of care.
Information on plan cost-sharing provisions was downloaded from Healthcare.gov for the plans offered in federally-facilitated and partnership exchanges. Because many plans are offered in multiple rating areas within a state, we reduced the number of plans so that each benefit package was counted only once for each state. The averages and distributions are simple averages of the plans that are available and are not weighted by enrollment because we do not have enrollment for each plan. Information for “expanded bronze” and “bronze” plans are reported together.