Employers use have sought to reduce their costs by shifting some health care costs to employees. Which of the following represent increase costs now paid by employees?

A) Increased copays for drugs
B) Increased deductibles
C) Increased premium contribution
D) Increased out-of pocket expenses
E) all of the above

Health Care Costs

The expenses associated with medical services, treatments, and procedures provided to maintain or improve a person’s health.

Out-of Pocket Expenses

Costs directly paid by an individual without reimbursement, often related to healthcare or business expenditures.

Copays

Fixed amounts paid by an insured individual for receiving certain medical services, with the insurance covering the remaining costs.