Navigating the Maze: A Look at Health Insurance Complexities and Consumer Protections

(By Kaye Pestaina, Michelle Long, Meghan Salaga, and Rayna Wallace for The Kaiser Family Foundation Published: Mar 03, 2025)

The U.S. health insurance system has become a “complex labyrinth” for consumers to understand and navigate. Whether public or private coverage, the information needed and the hoops the average health care consumer must go through to use their health coverage effectively is itself a public policy concern, exacerbating continued access and affordability challenges. The KFF 2023 Survey of Consumer Experiences with Health Insurance found that half of insured adults have some difficulty understanding at least some aspects of their insurance. This is the first of two Issue Briefs exploring specific survey findings about gaps in understanding health coverage, highlighting problems and federal consumer protections in place today designed to bridge the gap. Continue reading here…

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