Scenario 3: Medical Expense of Five Times the OOP Max Every Five Years, Otherwise Expenses Equal Annual Deductible, Ages 26-60

Chart: Tom Church, Hoover InstitutionSource: Author's calculations. Starting premiums and deductibles from Commonwealth Fund "Trends in Employer Health Insurance Costs, 2014-2023: Coverage Is More Expensive For Workers in Small Businesses." Starting out-of-pocket maximum from KFF 2023 Employer Health Benefits Survey.Get the dataCreated with Datawrapper