The study of six states suggests that consumers could face steep cost-sharing requirements — like co-payments, co-insurance and deductibles — layered on top of their monthly premiums.

The health law sets exchange enrollees’ maximum annual out-of-pocket costs at $6,350. But many people won’t get near that limit, and deductibles for typical exchange plans can run twice as high as the average employer-sponsored plan.

It’s a reminder that despite news trumpeted Wednesday by the White House, suggesting exchange premiums will be lower than expected, consumers will have additional numbers to crunch.