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Roughly what portion of people with health insurance report that they find it difficult to afford the cost of health insurance each month, the copays for doctor visits and prescription drugs, and the deductibles paid for care after the insurance kicks in?

A. 15 to 20 percent
B. 30 to 40 percent
C. 70 to 80 percent
D. 100 percent

Answer :

Final answer:

Approximately 30 to 40 percent of individuals with health insurance struggle with affording monthly premiums, copays, and deductibles. These expenses may lead to a significant financial strain, with some people being considered underinsured.

Explanation:

Roughly 30 to 40 percent of people with health insurance report that they find it difficult to afford the cost of health insurance each month including the copays for doctor visits and prescription drugs, and the deductibles paid for care after the insurance kicks in. People with health insurance often encounter various costs such as high deductibles, copayments, and coinsurance payments which can be substantial. The presence of insurance doesn't necessarily mean that out-of-pocket expenses are easily manageable; for some, these costs can represent a significant financial burden and individuals may find themselves underinsured. Underinsurance is characterized by scenarios where individuals pay at least 10 percent of their income on healthcare costs not covered by insurance or, for low-income adults, those whose medical expenses or deductibles are at least 5 percent of their income.

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