It was a bill from the hospital where Ford's child was born. He owed
"I knew it was coming," said Ford, 25, who lives in
Ford and many other
The percentage of people enrolled in a high-deductible health plan has increased from 8 percent in 2009 to 24 percent in 2015, according to the
Ford's insurance, which he receives through his employer, has a
"We have seen these out-of-pocket costs increase every year since the Affordable Care Act went into effect," said
Martz said he has heard from clients and their employees who have delayed medical treatment because they couldn't afford the deductibles, co-payments and coinsurance.
Ford admitted he has stayed at home at times in recent years instead of visiting the doctor when he has suffered fevers.
"My copay for a doctor's visit is
"One thing we are seeing is that the number of patients who visit our emergency room, and are treated and released, is not growing," said
Many patients aren't sure what they owe, and why they owe it, said
"We are finding some patients are confused between coinsurance, deductibles and co-payments," Whalen said. "We are doing a lot of education about what these all mean to them."
Some of the education at Hamot and Saint Vincent is taking place immediately after a procedure or surgery is scheduled, while the patient is still at the doctor's office.
Knowing what you owe doesn't make it any easier, Ford said.
"It's tough," Ford said. "My premium just a few years ago was
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