不断上涨的保险费将美国人推向更便宜的、有风险的有限覆盖计划。 Rising premiums push Americans toward cheaper, limited-coverage plans with risks.

医疗保险费上涨促使许多美国人寻求成本较低的计划,包括短期医疗保险和医疗报销安排。 Rising health insurance premiums have prompted many Americans to seek lower-cost plans, including short-term health insurance and health reimbursement arrangements. 虽然这些替代方案的成本往往较低,但通常提供的福利较少,没有涵盖原先存在的条件,可能不符合《负担得起的护理法》。 While these alternatives often cost less upfront, they typically offer fewer benefits, lack coverage for pre-existing conditions, and may not comply with the Affordable Care Act. 专家告诫说,虽然节省费用是可能的,但消费者应仔细权衡如果需要医疗护理,保险范围有限和自付费用可能很高的风险。 Experts caution that while savings are possible, consumers should carefully weigh the risks of limited coverage and potential high out-of-pocket costs if medical care is needed.