Three million Californians use health plans with high out-of-pocket costs

Three million Californians are enrolled in high-deductible health plans, insurance policies that offer consumers a lower monthly premium in return for higher out-of-pocket spending for health care services, according to a new report. The plans may cause members to delay care and can put families in financial jeopardy. Yet the plans are often the only insurance many Americans -- especially the self-employed or those with low-incomes -- can afford.

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