Consumer Assets and Patient Cost Sharing
| Percent of Households with Net Financial Assets Greater than Specified Deductibles and Out of Pocket Maximums | ||||
| Threshold: | Mid Range Deductible: | High Range Deductible: | Mid Range Out-of-Pocket Maximum: |
High Range Out-of-Pocket Maximum: |
| Single/Family Coverage | ($1,200-Single and $2,400-Family) | ($2,500-Single and $5,000-Family) | ($3,000-Single and $6,000-Family) | ($6,000-Single and $12,000-Family) |
| Among All Non-elderly, Non-Poor Households | ||||
| All Households | 53% | 45% | 43% | 35% |
| Size of Household | ||||
| One Person Households | 51% | 43% | 41% | 34% |
| Multi-Person Households | 53% | 45% | 43% | 35% |
| Poverty Level | ||||
| 100% to 250% FPL | 26% | 18% | 17% | 10% |
| 250% to 400% FPL | 51% | 39% | 37% | 28% |
| Over 400% FPL | 76% | 70% | 67% | 59% |
| Among All Non-Elderly, Non-Poor Households with Only Private Insurance | ||||
| All Households | 65% | 57% | 54% | 46% |
| Size of Household | ||||
| One Person Households | 64% | 55% | 52% | 44% |
| Multi-Person Households | 66% | 57% | 55% | 47% |
| Poverty Level | ||||
| 100% to 250% FPL | 38% | 28% | 27% | 18% |
| 250% to 400% FPL | 54% | 42% | 39% | 32% |
| Over 400% FPL | 78% | 72% | 69% | 61% |
| Among All Non-Elderly, Non-Poor Households with Someone without Insurance | ||||
| All Households | 27% | 19% | 17% | 11% |
| Size of Household | ||||
| One Person Households | 30% | 24% | 21% | 16% |
| Multi-Person Households | 27% | 17% | 16% | 9% |
| Poverty Level | ||||
| 100% to 250% FPL | 18% | 12% | 11% | 5% |
| 250% to 400% FPL | 34% | 22% | 21% | 14% |
| Over 400% FPL | 59% | 45% | 40% | 30% |
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NOTES: FPL (federal poverty level). Households with only private insurance are covered by employer coverage, non-group coverage, Tri-care and/or a union sponsored plan. Figures reported are percent of households meeting family thresholds for households with more than one member and single-coverage threshold for individual households.
SOURCE: Kaiser Family Foundation analysis of 2013 Survey of Consumer Finance (SCF) data.
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