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Member, Beacon International Group, Ltd.
A study from the Employee Benefit Research Institute found that expanding pre-deductible coverage under employment-based health plans would add few costs to health care premiums, while lowering costs for patients, Insurance News Net reports. High-deductible health plans offered by employers have the flexibility to cover 14 medications and other health services used to manage chronic conditions prior to meeting the plan deductible, EBRI says. The study found the impact on premiums of expanding pre-deductible coverage for the 14 eligible services ranged from virtually zero to 1.5%, the report says.