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Covering the Squeeze
Some ideas for reporting on rising out-of-pocket
healthcare costs
Noam N. Levey
Los Angeles Times/Tribune Washington
Bureau
20132003
Employer Premiums as Percentage of Median Household Income for
Under-65 Population, 2003 and 2013
Source: Commonwealth Fund: http://www.commonwealthfund.org/publications/issue-briefs/2015/jan/state-trends-in-employer-
coverage
ND
SD
DC
ID
DE
IA
IN
WI
CA
HI
KS
UT
AZ NM AR
LA
KY
VA
VT NH
MA
CT
RI
NJ
AK
ALMS
MI
ME
WV MDCO
NE
WY
OR
IL
TN NC
SC
GA
FL
PA
NY
OH
MO
MN
OK
TX
MT
NV
WA
ND
SD
DC
ID
DE
IA
IN
WI
CA
HI
KS
UT
AZ NM AR
LA
KY
VA
VT
NH
MA
CT
RI
NJ
AK
ALMS
MI
ME
WV MDCO
NE
WY
OR
IL
TN
NC
SC
GA
FL
PA
NY
OH
MO
MN
OK
TX
MT
NV
WA
Less than 14% 14%–16.9% 17%–19.9% 25% or more20%–24.9%
2003 2013
It’s not all the same …
$0
$500
$1,000
$1,500
$2,000
Alabama
Hawaii
DistrictofColumbia
Arkansas
NorthDakota
Delaware
Maryland
Mississippi
Pennsylvania
NewYork
Nevada
Michigan
NewMexico
Washington
Massachusetts
Louisiana
WestVirginia
Alaska
RhodeIsland
Georgia
Virginia
Wyoming
California
Utah
Nebraska
Oklahoma
Indiana
Ohio
Idaho
Oregon
Illinois
NewJersey
SouthCarolina
Wisconsin
Florida
NorthCarolina
Missouri
Kansas
Colorado
Minnesota
Iowa
Arizona
Tennessee
Kentucky
Texas
Connecticut
SouthDakota
NewHampshire
Montana
Vermont
Maine
Single-Person Deductibles, by State, 2013
Source: Commonwealth Fund: http://www.commonwealthfund.org/publications/issue-briefs/2015/jan/state-trends-in-employer-coverage
Dollars
It’s not just consumers
Regulators to the rescue?
-States that
protect
consumers
against surprise
medical bills for
emergency and
non-emergency
care:
-States that
protect
consumers
against surprise
medical bills in
emergency
rooms:
-States that are
actively
considering
restrictions on
surprise medical
bills
A new kind of insurance?
SOURCE: National Business Group on Health “Large Employers Health Plan Design Survey,” Aug.
2015
SOURCE: National Business Group on Health “Large Employers Health Plan Design Survey,” Aug.
2015
SOURCE: National Business Group on Health “Large Employers Health Plan Design Survey,” Aug.
2015
Source:
www.vbidcenter.org
@um_vbid
vbidcenter@umich.edu

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Noam Levey: "Out of Pocket: Surprise Costs After Health Reform," 10.29.15