Source: Centers for Medicare and Medicaid Services
And in cases of people with higher Obamacare deductibles, Linke Young said, the deductible level often isn't "relevant," because the services people are often using are typically covered at no out-of-pocket cost.
On average, the report said, HealthCare.gov plans cover seven services before the deductible, and about one-third of customers of that exchange have policies that cover at least 10 services before the deductible.
Those services, which can include generic and other types of drugs, primary care doctor and specialist visits, specialist visits, and mental health outpatient treatment, are on top of the suite of preventative services that all health insurance plans must cover under the Affordable Care Act.
"This report shows that marketplace plans are providing consumers with real financial protections and access to important health services," said HealthCare.gov CEO Kevin Counihan.
But even as Counihan and Linke Young pointed out the improvement in the deductible burden for many customers, the report revealed that the median deductible for customers in the most popular kinds of HealthCare.gov coverage who do not get financial help is a steep $3,000 annually.
And even with financial aid, people can face deductibles that would require them to pay as much as $2,500 annually if they opted for the most popular plans, known as "silver plans."
Those plans cover about 70 percent of their customers' health costs, and have a higher monthly premium than the cheapest Obamacare options, bronze plans, but their deductibles are routinely lower than bronze plans. To qualify for federal aid to lower their out-of-pocket costs, people whose household income is below 250 percent of the poverty level must enroll in silver plans.
For those who don't qualify for the help, or who chose other than a silver plan, the deductibles can be much higher than the lower medians highlighted in the report.
About 15 percent of HealthCare.gov customers have deductibles of between $1,001 and $3,000, according to the report. Another 12 percent have deductibles in the range of $3,000 to $5,000. And 17 percent of HealthCare.gov customers have deductibles that are more than $5,000.