Listen: Cheap Health Insurance Isn’t Always Cheap
Summary
Across the country, people are choosing lower monthly premiums in exchange for higher out-of-pocket risk. Reporter Jackie Fortiér explains what the shift means for Americans’ health and wallets.
High-deductible plans can look like a deal, until the bills start rolling in. On this episode of the NPR podcast Life Kit , reporter Jackie Fortiér breaks down what to expect and how to prepare. A lot of people choose their health insurance the way they shop for a flight — sort by the lowest price and click “buy.” But what looks like a bargain upfront can come with costly consequences later. After some federal financial aid expired, many Americans found that high-deductible health plans were the only option they could afford. In a new episode of NPR’s Life Kit podcast, KFF Health News reporter Jackie Fortiér and podcast host Marielle Segarra discuss what these plans are, and why they can feel so confusing. Imagine paying $100 out-of-pocket for a routine doctor visit that used to cost you $20. Imagine shouldering thousands of dollars in bills before your insurance pays a cent. Still, for some people — especially those who rarely need medical care — high-deductible plans work. Listen to the episode to explore how timing your care and taking advantage of free preventive services can help you make the most of your coverage. KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF . USE OUR CONTENT This story can be republished for free ( details ).