There are unfortunate realities about the role of traditional health insurance in the United States.
Premiums paid for health insurance have consistently increased by more than 5% in recent years. The average deductible, as a percentage of the American family income, increased from 2.7% to 4.7% between 2008 and 2018. Together, premiums and deductibles comprised over 11% of median income in the United States in 2018.
