A Comparative Expected Value Analysis Study to Determine if Health Insurance Coverage for Doctor Visits, Lab Tests, Imaging, Prescription Drugs, Urgent Care and Emergency Care Visits in The United States Provides Financial Benefit for The Non-Chronic

ABSTRACT : It was found that eighty-percent of the insured non-chronically ill do not reach their deductible and receive no financially benefit from health insurance coverage. It was also found that there was little to no difference in out-of-pockets costs between the insured that don’t meet their deductible and the uninsured when it came to primary care visits, tier one prescription drugs, lab work, X-rays, CT scans, MRI scans, Ultrasounds, Mammograms, urgent care and emergency department visits. Further, uninsured patients that shop around for care financially benefit from lower out-of-pocket costs than the insured that have not yet reached their deductible and access care with in-network healthcare provider.