Premium hikes spur cash-versus-insurance debate, experts warn
With premiums poised to climb and enhanced ACA subsidies set to lapse without congressional action, some Americans are weighing cash payment over insurance. Experts say select services—like X-rays, scans, allergy tests, or some generics—can cost less at posted cash prices or via charity care, especially for high-deductible enrollees. But skipping coverage sacrifices negotiated rates, preventive benefits, and progress toward deductibles, and can explode costs if emergencies strike outside enrollment windows. Advocates urge careful price checks, billing-office questions, and federally qualified health centers; hospitals must still provide emergency care under federal law.
Reviewed by JQJO team
#healthcare #insurance #costs #medical #affordability
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