There is one big problem with health insurance that continues to get bigger: health care deductibles continue to rise. This poses challenges for both employers who provide benefits and employees as well.
More people may get health insurance under the Affordable Care Act, but, there comes a point when deductibles and out-of-pocket costs are so high people may defer necessary medical treatment. Under some medical plans, an employees total out-of-pocket costs for medical care can be as high as 40% up to an annual maximum of $6,350 for an individual and $12,700 for a family in 2014. People may forgo necessary medical treatment because they just plain cannot afford it. In some cases, conditions may worsen and be more expense to treat in the future.
