What is a commonly misunderstood aspect of health insurance plans offered in the Marketplace?

A commonly misunderstood aspect of health insurance plans offered in the Marketplace is that some plans may have high deductibles. This is significant because many consumers assume all health insurance will provide immediate access to healthcare services with minimal out-of-pocket costs. However, plans can vary widely in their designs, and some may require individuals to pay a high deductible before the insurance begins to cover services.

Understanding the structure of deductibles is crucial for consumers as it affects their overall healthcare expenses. This misunderstanding can lead to financial strain, particularly if an individual expects immediate coverage for medical expenses without realizing they need to meet their deductible first. Consequently, individuals must carefully review plan details to fully grasp their potential costs.