12 pages. Excerpt: This issue brief discusses three serious concerns that make high-deductible health plans less helpful -- or even potentially harmful -- for racial and ethnic minorities: 1. Out-of-pocket costs in high-deductible plans are simply unaffordable for many racial and ethnic minorities. 2. The heavy costs of high-deductible plans will force many minorities to delay or avoid necessary care. 3. The barriers created by high-deductible plans will aggravate the health disparities that already plague many minority communities.

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