
Republican policymakers and many consumers are increasingly choosing cheaper, high-deductible “high-risk” plans that cut monthly premiums and offer tax advantages but leave patients responsible for the first several thousand dollars of care. More than 40 million Americans — including about four in ten people enrolled through the ACA — are in these plans, trading lower premiums for much greater out-of-pocket exposure. The shift ties into state-level enrollment incentives, rising supplemental insurance costs, and the broader squeeze that is forcing households to delay care and other life decisions.
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