Health Care Reform

Obamacare’s Cost Sharing Is Too High, Even for HSAs


by Ed Haislmaier

The Heritage Foundation, June 1, 2018

Escalating premiums, higher plan deductibles, higher out-of-pocket maximums, and narrowing provider networks are all manifestations of the basic flaws in Obamacare’s public policy architecture. One effect is that Obamacare’s maximum out-of-pocket limits are higher than those for HSA-compatible plans. As a result, over half of all plan designs offered on in 2018 have out-of-pocket maximums that are too high for the plan to qualify as HSA-compatible. Congress needs to get back to work on repairing the damage done to the individual insurance market by Obamacare.

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