Many Americans Will Face Higher Health Insurance Costs

Nearly half of Americans with employer-based health coverage are seeing more money being taken out of their paychecks for health insurance compared to a year ago, according to a report. Forty-four percent have higher out-of-pocket expenses compared to one year ago, including deductibles and copayments. Forty-eight of Americans would choose to repeal the Affordable Care Act (ACA), and only 38% would choose to keep it. In late September 46% of Americans wanted to repeal the ACA and 46% wanted to keep it.

Upper-middle-income Americans with employer-based health insurance (annual household incomes from $50,000 to $74,999) are most likely to say that more money is being taken from their paychecks and that they are experiencing higher out-of-pocket expenses. Out of all income levels, upper-middle-income Americans are the most likely to say that the law has had a negative effect on their health insurance (47%).

While many feared losing family coverage as a result of the Affordable Care Act, very few employers have taken this step (fewer than one in 10 Americans with employer-based health insurance lost coverage for a spouse or child this year). And only two in 10 Americans with employer-based health insurance now have fewer doctors included in their plans.

“Since so much of the Obamacare conversation has focused on uninsured Americans and the government-run exchanges, it’s easy to forget most Americans – about 150 million – get their health insurance from an employer. People covered under these plans should watch for changes and discuss with their employers how Obamacare may affect their coverage and costs. In some cases, getting insurance through the health exchanges could be more cost effective, so it is important to research all possibilities,” said insurance analyst Doug Whiteman. The study also reveals the following:

• 52% of women with employer-based coverage report higher out-of-pocket expenses, compared to only 35% of men.
•  Americans who are feeling more negative about the law outnumber those feeling more positive by a two-to-one margin (31% to 15%). For more information, visit

Last Updated 01/19/2022

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