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That's because Advantage plan members have exposure to potentially high out-of-pocket costs if they use a lot of healthcare. Federal regulation caps their annual out-of-pocket spending at $6,700, although most plans cap cost-sharing at much lower levels. The average out-of-pocket cap in Advantage plans this year is $4,317 and half of enrollees are in plans capped at or below $3,900, KFF reports. |
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