Hospitals smallest part of out-of-pocket costs


https://www.healthsystemtracker.org/interactive/?utm_campaign=KFF-2018-Peterson&utm_source=hs_email&utm_medium=email&utm_content=68267802&_hsenc=p2ANqtz–ktue7Wpa6NlVV1m5K05fMVx7jZNGoCLlk_ATmPS8Y6TgyNwDww1IGCz7sUIjYm69FTQmPft_pPBXXoE4h62JNKY1rEA&_hsmi=68267802&display=U.S.%2520%2524%2520Billions&service=Hospitals%252CPhysicians%2520%2526%2520Clinics%252CPrescription%2520Drug&source=Out%2520of%2520Pocket&tab=0

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We spend more on hospital care than any other type of health care service, but hospitals make up the smallest amount of out-of-pocket spending.

  • That means insurers are passing on a smaller percentage of hospital costs to enrollees, although they indirectly pay for hospital care through premiums.

Between the lines:

  • “A big role of patient cost-sharing is to discourage use of inappropriate or unnecessary services. So much of hospital care is non-discretionary from the perspective of patients,” Kaiser Family Foundation’s Larry Levitt says.
  • Levitt adds that insurance tends to pay a bigger part of hospital bills versus other services because hospital bills tend to be large, causing patients to blow through their deductible or hit their out-of-pocket maximum.

 

 

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