One of the immediate consequences of the Affordable Care Act – popularly called Obama Care – is that it brings with it a rapid spread of high deductibles among insurance plans available on the Health Care Exchanges. Where many consumers once had access to insurance plans with affordable deductibles, under Obama Care these rates have skyrocketed. Under the Silver Plan, the most commonly selected insurance plan, the annual deductible is about $3,000. And under the Bronze Plan – touted as the most affordable insurance plan under Obama Care, the deductible is a whopping $5,000. And these rates are already scheduled to increase in 2015. At these rates, it can take dozens of visits to the doctor to meet these deductibles.

Rapid Spread of High Deductibles

Essentially, this means that consumers – and in particular, low-income consumers who cannot afford the high premiums of the Gold Plan – will be forced to pay thousands of dollars out of pocket for doctor appointments, screening tests and prescription medication before they reach their deductible. Estimates indicate that as many as three in four American families are living paycheck-to-paycheck. These families are more likely to opt for insurance plans like the Bronze or Silver plan under Obama Care because of their lower monthly premiums. But first-time insurance buyers in this group will undoubtedly have difficulty affording their high deductibles.

20% Did Not Make Their First Premium Payment

Because of these high deductibles, many consumers are looking for options that can save them money on costly medical procedures and reduce the amount they have to spend on office visits.  And about twenty percent of those who signed up for Obama Care did not make their first premium payment. After ninety days of nonpayment, those consumers lose their coverage – an option many are considering. They may determine that it is more affordable for them to pay the $75 annual fine and pay for doctor visits and procedures out of pocket, rather than pay premiums that are saddled with high deductibles.

Affordable Rates for Procedures

Consumers who choose this option will undoubtedly want to shop for the most affordable rates for procedures. Yempl.com allows patients to find the most suitable and inexpensive rates for procedures they need. With Yempl’s procedure and service search engine, patients can find and compare doctors in their area and quickly determine which ones provide the services they need at a rate they can afford. Doctors’ individual rates are conveniently displayed in a results page, along with their ratings on various health care websites.

With this powerful tool at their disposal, patients are empowered to make the right health care decisions and find providers that are best for their budget and patient needs. They won’t have to spend more than they can afford on doctor visits and procedures they need. Patients can save thousands of dollars on health care costs and work with reliable, trusted providers.

Although the Affordable Care Act – popularly called Obama Care – promised to bring inexpensive insurance to millions of Americans, many consumers have found that the high cost of deductibles coupled with unaffordable monthly premiums are too costly for their budgets. Many Americans are currently living paycheck-to-paycheck, and even with federal subsidies designed to bring down the monthly medical cost of their premiums, they are still unable to bear the financial burden of the Obama Care plans available on the Health Care Exchanges. Because of this, they are opting to pay the $75 penalty for not having health insurance and pay for doctor visits and medical procedure costs out of pocket; over the long term, many consumers are finding this option to be the more affordable one.

Compare Prices for Medical Procedures

Because it can cost less to pay cash directly to a health care provider rather than carry the burden of monthly premiums and high deductibles, it is in the best interest of these consumers to be able to quickly and effortlessly locate the most affordable prices for medical procedures in their area. Calling around to various doctors’ offices can be a prolonged endeavor that most consumers just don’t have time for. And shopping by price alone may result in finding doctors that are not providing the best medical services at the lowest rates.

Yempl provides a solution to both the problem of finding affordable prices for procedures and locating highly-rated doctors. Yempl is an online database of doctors and medical procedures that patients can use to search for health care providers based on specific procedure prices. With Yempl, you can compare medical cost from doctors in your area and determine which health care providers have the most affordable rates for a variety of different procedures. Procedure categories include Internal Medicine, Physical Therapy, Obstetrics & Gynecology, Ophthalmology, Urology, and Gastroenterology. Patients can also find providers in more than eighty specialties, from Anaplastology to Urology. Once you have refined the search results based on location, specialty and/or procedure, you can compare doctors’ individual procedure rates as well as see reviews and even schedule appointments.

Medical Procedure at Price You Can Afford

Yempl displays each health care provider’s education and experience so that patients can choose the care they need at a price they can afford. With this excellent database at their disposal, patients are now empowered to find a medical professional for virtually any procedure they need – and they won’t have to worry about medical cost. Yempl provides the kind of transparency that takes the guesswork out of finding an affordable, reputable health care provider who can offer the services you need at a price point that works with your budget. Log on to Yempl today to search for doctors, services and procedures in your area that you can afford.