Millions of Americans with employer-sponsored health insurance nevertheless are paying most health care expenses out of pocket – or delaying care altogether.

"Both my parents died in their 40s from heart attacks," a 42 year old said in response to a survey by Paytient. "I had been having some chest pain and was ordered to have a stress test. I was told I would have to pay $250 up front. I still haven't had the test."

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Alan Goforth

Alan Goforth is a freelance writer in suburban Kansas City. In addition to freelancing for several publications, he has written a dozen books about sports and other topics.