Market Overview

Caveat Emptor: Global Healthy Living Foundation Warns Chronic Disease Patients to Shop Carefully During the 2018 Healthcare Open Enrollment Period


Free Resources and Education Available

As the 2018 federal Health Insurance Marketplace opens enrollment today,
the Global Healthy Living Foundation (GHLF) urges people living with
chronic disease to closely evaluate their insurance plan options to
protect their ability to access and afford needed medication. Cut in
half compared with previous years, the 2017 federal enrollment period
for 2018 coverage is only 45 days long from November 1 to December 15,
though some states have an extended deadline.
Similarly, many employer-offered plans will ask their employees to
re-select their plan for the new year, if multiple options are offered,
in the late fall.

"People typically focus on monthly premiums when choosing a health plan,
but the deductible is just as important. This is the amount paid out of
pocket before the health insurer pays its share," said Seth Ginsberg,
President and Co-Founder of the Global Healthy Living Foundation. "A low
premium is attractive, but the deductible bills that patients may
receive for out-of-pocket costs, such as medications, doctor visits or
lab tests, can be shocking and unaffordable if they didn't understand
how their plan shares costs with patients."

High-deductible health plans try to reduce costs for employers and
individuals by lowering premiums. To do so, they shift more costs to the
patient. As explained by the Kaiser Family Foundation, deductibles have
397 percent between 2006 and 2017, rising from $303 to
$1,505. The availability of these plans is also increasing. Ninety
of large employers are expected to offer high-deductible
plans - up from 13-18 percent of firms (depending on size) in 2007. High
deductible plans force individuals to pay large out-of-pocket costs up
front, which could result in patients—especially those with complex
conditions—from taking important medications. UNC
Health Care
found cancer patients with higher copayments were 70
percent more likely to stop treatments. Those same patients were also 42
percent more likely to skip doses.

Budget Wisely: Patient Assistance Programs in Flux

As explained in the recent white paper titled, "Precision
Patient Assistance Programs to Enhance Access to Clinically Indicated
Therapies: Right Drug, Right Time, Right Cost-Share
," from the
University of Michigan, there is a push-pull between insurance companies
trying to reduce medication costs by creating limited available drugs
categories and pharmaceutical companies trying to provide clinically
proven, doctor-prescribed medications to patients at an affordable cost
via patient assistance programs. Studies show that patient assistance
programs, often in the form of ‘co-pay' cards, result in better
adherence and health outcomes.

"Millions of patients are accustomed to building the value of the
‘co-pay card' or other programs into their annual budget of healthcare
costs," said Mr. Ginsberg. "As patients review and select plans for
2018, it is vital that they read the fine print regarding whether their
insurer will continue to honor these programs at full value or whether
their policy and value calculation has changed, resulting in patients
paying a larger share of out-of-pocket costs. We strongly urge chronic
disease patients who rely on long-term access to expensive medications
to first verify if copay cards are permitted in their state and second,
read the plan details carefully to make sure their co-pay card counts
toward their deductible."

GHLF offers free education and tools to chronic disease patients who are
navigating the 2018 open enrollment period. At our website, chronic
disease patients can learn more about harmful pitfalls to avoid. For
more information, visit:

In addition, GHLF urges membership in the 50-State Network, a
grassroots advocacy organization comprised of chronic disease patients
who proactively connect with State and Federal health policy and
regulatory stakeholders to share their perspective and influence change.
The 50-State Network mobilizes patients to voice their concerns about
access to treatment, quality of care and the need to prioritize the
physician-patient relationship by providing public and personalized
opportunities to advocate for the chronic disease community. Regular
conference calls and educational events (such as webinars) also provide
opportunities for members to stay "in the know" about health and
healthcare policy that could directly impact them or someone they love.
For more information, visit

About Global Healthy Living Foundation

The Global
Healthy Living Foundation
is a 501(c)(3) non-profit organization
whose mission is to improve the quality of life for people living with
chronic illnesses, such as arthritis, osteoporosis, migraine, diabetes,
psoriasis, cardiovascular disease and chronic pain, by advocating for
improved access to care at the community, state, and federal levels, and
amplifying education and awareness efforts within its social media
framework. GHLF is also a staunch advocate for vaccines. The Global
Healthy Living Foundation is the parent organization of CreakyJoints,
the go-to source for more than 100,000 arthritis patients and their
families world-wide who are seeking education, support, advocacy and
patient-centered research and ArthritisPower,
the first ever patient-led, patient-centered research registry for
arthritis, bone, and inflammatory skin conditions.


Increases in Cost Sharing payments have far outpaced wage growth.
Peterson-Kaiser Health System Tracker. Last accessed on October 31, 2017

Newsroom. (2014, January 06). Retrieved October 17, 2017, from

2017 Employer Health Benefits Survey - Section 7 & 8: High-Deductible
Health Plans with Savings Option. Last accessed on October 31, 2017 at

Employer Health Benefits 2007 Annual Survey. Kaiser Family Foundation.
Chart 8.2 Last accessed on October 31, 2017 at

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