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Copayments and deductibles used to be a small issue. The $1 here or $20 there. Not anymore. Consumers now pay 30% of total health care costs (see 2019 Medical Billing Statistics). There are now health plans with $7,150 deductibles for individuals and twice that for families (see High-Deductible Health Insurance: The Good, The Bad And The Ugly). I was recently talking to one of my newly self-employed friends and was surprised when she told me she recently bought a short-term policy with a $22,000 annual deductible.

Overall consumer out-of-pocket (OOP) for hospital services . . .