As health care costs have risen, more costs have been shifted to consumers, who must cope with higher deductibles, copayments, and co-insurance. To relieve consumers of some of this financial burden, the Affordable Care Act caps how much money insured people spend on health care. These out-of-pocket caps will protect families from catastrophic medical costs when illness or accident strikes.
These reports provide national and state data on how many Americans are in families with out-of-pocket spending that exceeds these caps, and by how much, as well as data on how many of these people work for small businesses. The reports also explain what eroding coverage means for American families.