High deductibles are here to stay. The average deductible for single coverage under employer plans this year is $1,217. That’s almost double what it was in 2006. The trend is not going to abate. Next year 4 in 5 large employers will offer a high deductible plan and 1 in 3 will offer only a high deductible plan. Moreover, the deductibles in the plans offered on the (Obamacare) health insurance exchanges are more than twice as high as the average employer plan.

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