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" ... BernieCare is a one-size-fits-all plan that would mirror Canada in prohibiting any sort of patient cost-sharing for services covered by the plan: no deductibles, no coinsurance, no copays, that is, absolutely nothing that might inhibit patients from overusing the system. Regrettably, the standard plan under the Purple Health Plan also would be one-size-fits-all, designed by physicians in light of the 10% cap on vouchers. ... "
" ... In addition to deductibles there may also be coinsurance and other fees. In fact, federal law allows the health plans to charge enrollees with out-of-pocket expenses as high as $6,800 for an individual and $13,700 for families. And almost no one with an exchange plan has a Health Savings Account with funds to help pay these costs. ... "
" ... Plans K, L, M and N all involve varying degrees of cost-sharing for coinsurance and copays. Additionally, the high-deductible versions of Plans F and G require enrollees to meet a deductible amount before the plan pays anything. ... "
" ... [5] $28 trillion x (132.3% - 2.8%) where 32.3% equals the increase in per capita spending for those assigned to the RAND HIE free care plan compared to those in the plan with no deductible and 25% coinsurance and 2.8% equals the component of moral hazard already accounted for by Prof. Friedman. ... "
" ... “For some people who need treatment, their deductible and coinsurance are unrealistic expenses,” said Eddington. “$5,000 may as well be $100,000 if you don’t have the means to cover it and you don’t have a safety net.” ... "