Compared with those enrolled in job-based health insurance, Obamacare enrollees “have to shell out a lot more to see the doctor or get medications.” WGAL News,
Deductibles, co-payments, and drug payments are higher under the average Obamacare silver-level plans — the most popular — than employer policies, according to a CNNMoney comparison of reports by Kaiser Family Foundation and Health Research & Education Trust. The reports looked at policies offered on the exchanges for 2015 and those enrolled in employer plans in 2014…
High deductibles have been a sore point with some Obamacare enrollees. They have complained that they have to shell out thousands of dollars, on top of their monthly premium, before their insurance kicks in. Employers have also been raising deductibles, but they are generally lower than in many Obamacare plans.
Even after they meet the deductible, enrollees in both Obamacare and work-based plans have to fork over a co-pay or co-insurance, a share of the bill, to see a doctor. Employers have been raising their co-pays in recent years, but those in Obamacare plans are still higher.