One really interesting finding is this affected both uninsured people in lower-income and higher-income households. Rates of debt were actually highest among those with higher incomes.
People not being able to take care of themselves should send out a big red flag.
Few people in these plans would recommend them to friends or co-workers. By focusing exclusively on the demand side, incentives give disproportionate responsibility on cost control to people with health problems or lower incomes.
If you don't get it through your employer, you don't have many options for affordable coverage. That means you have huge numbers of people who don't have consistent, affordable access to the healthcare system.
That raises some concerns about the decisions people are making when faced with high out-of-pocket expenses.