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Over the past five years the cost of health insurance has risen 54 percent.1 This persistent rise has recently been attributed to the low out-of-pocket costs paid by consumers.2 By not knowing the full costs associated with health care, consumers demand more and âoveruseâ it (moral hazard).
Premiums could rise more sharply in 2016. The cost of Obamacare could rise for millions of Americans next year, with one insurer proposing a 50 percent hike in premiums, fueling the controversy about just how âaffordableâ the Affordable Care Act really is.