Relatively few uninsured households have enough financial assets to cover the cost sharing in consumer-driven health plans tied to Health Savings Accounts (HSAs), according to a new study by Kaiser Family Foundation researchers published today as a Health Affairs Web Exclusive.

The study shows that most uninsured households do not have overall financial assets great enough to cover the relatively high deductibles associated with consumer-driven plans. For example, about one-third (33 percent) of households with at least two uninsured members had gross financial assets of at least $2,000, the minimum deductible for an HSA-qualified family plan in 2004, and only 9 percent had enough of these assets to cover the out-of-pocket maximum ($10,000).

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