This piece is a joint effort by Amy Niles, executive vice president at the PAN Foundation, and Kollet Koulianos, vice president of payer relations at the National Hemophilia Foundation.
Each year on January 1, health plans reset for millions of Americans with serious and complex illnesses, restarting the slow and often expensive process of working toward their annual deductible and maximum out-of-pocket limit. But for people with co-pay accumulator policies built into their health insurance plans, there’s a much steeper hill to climb.