Many Americans still bear the burden of significant financial risk when it comes to out-of-pocket spending on health care. An article appeared in The New York Times that discusses this issue in light of its precedence during the recent presidential election; both candidates in agreement that high out-of-pocket spending is indeed a problem.

Before looking at a health care proposal of Hillary Clinton’s and another method favored by conservatives,  the article delves into the ins and outs of how exactly the health care system collects money from people – which is very worthwhile information, especially if you have ever been curious about the specifics of how it all works. The concept of cost-sharing is mentioned as well: “The theory there is that we want to use cost-sharing to encourage the healthy to spend less, but remove barriers for the sick.”

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