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The ACA Makes Healthcare More Accessible, But Is it More Affordable?

By | September 21, 2015

The Affordable Care Act has made healthcare more widely available, but care remains expensive. Why is this, and how can SingleCare help?

The passage of the Affordable Care Act (ACA) changed a lot of things about healthcare in America — but affordability may not be at the top of that list. A recent study reported by Deloitte reported in US News found that one in three Americans who bought coverage on the ACA’s healthcare exchange over a year ago are still unable to pay all out-of-pocket expenses.

And while over half of these citizens say they have a good understanding of their plans, hidden fees like copays and deductibles have still made them pricier than they seemed during plan selection. It’s this lack of transparency that at least partly explains why only 16% of survey respondents felt confident in their ability to cover the cost of future treatment.

It may be true that more people are now insured under the ACA, but if policyholders are unable to pay the associated costs, people may continue to question the pace of progress.

ACA: Simply Complex

Despite setting out with the seemingly simple goal of helping the average American in need of healthcare, the outcome is complex. The sheer complexity of this 1,000 page-long legislation has in some cases created more confusion than clarity.

Luckily, the Healthcare.gov website offers plenty of resources to help citizens sort out their coverage, offering a list of forms and FAQs to help everyone from immigrants and veterans, to small businesses and the self-employed. But as to the question of whether a plan on the public exchange will end up saving you money, the site makes no promises: “the only way to find out is to fill out an application.”

Many citizens are unfazed by this kind of paperwork, drawn to the low premiums available to those who qualify for a subsidy. According to CNN Money, the average monthly premium paid by those subsidized by Obamacare is $82.

But again, these low costs come with their drawbacks — specifically, a smaller network and thus a more narrow pool of doctors available for treatment. That means if you need to see a specialist that falls outside your network, that treatment could come at a substantial cost.

Fortunately, if you do find gaps in your ACA coverage, there are options out there to plug the holes. One example is SingleCare. SingleCare allows its users to search for the procedures and appointments they need, and compare prices with complete transparency.

SingleCare pre-negotiates savings for its members, saving them up to 50% of the original cost. Because SingleCare isn’t insurance, members don’t waste their resources on high premiums and copayments, and instead focus on the services they actually use.

Peace of Mind with SingleCare

Deloitte’s study also found that an alarmingly small 24% of Americans believe they can get affordable healthcare when they need it. SingleCare’s top priority is to reverse these frightening numbers. They understand that insurance — as beneficial as it is — can be confusing, and more importantly, expensive.

By connecting doctors and patients on an individualized, as-needed basis, SingleCare aims to provide members with quality care and minimal hassle.

Even if you’re already insured, SingleCare’s large network of physicians and healthcare providers makes it easy to find reliable care at low prices. And you can always see the cost before you even make an appointment, so you’ll never find yourself burdened with hidden expenses.

Visit their site today for more information, and find out how SingleCare is making healthcare easy and affordable for everyone.

(Main image credit: Don Ariosto/flickr)