1.0PNHPhttps://pnhp.orgpnhpf3ahttps://pnhp.org/author/pnhpf3a/Bloomberg editors question out-of-pocket costs - PNHPrich600338<blockquote class="wp-embedded-content"><a href="https://pnhp.org/news/bloomberg-editors-question-out-of-pocket-costs/">Bloomberg editors question out-of-pocket costs</a></blockquote>
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</script><iframe sandbox="allow-scripts" security="restricted" src="https://pnhp.org/news/bloomberg-editors-question-out-of-pocket-costs/embed/" width="600" height="338" title="“Bloomberg editors question out-of-pocket costs” — PNHP" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe>Out of Pocket, Out of ControlBy The EditorsBloomberg View, February 16, 2015Obamacare's goal to expand access to health care has been only half a success: More Americans have insurance, but a rise in cost sharing means fewer can use it. Copayments -- those predetermined charges you pay at the doctor's office -- are a big part of the problem. In recent years, they've risen to the point where they no longer work as they're meant to. It is reassuring when we see representatives of the business community shining light on the deficiencies in our system of health care financing. In this article, the editors of Bloomberg View explain that higher out-of-pocket spending shifts costs away from premiums, which are designed to spread the risk, and instead concentrates spending on those who get sick. As they state, this undermines the basic purpose of insurance.