Insurance coverage

Record insurance coverage doesn’t mean Americans can afford health care

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Nearly half of working-age adults do not receive the care they need despite historically high levels of health insurance coverage.

Forty-six percent have skipped or delayed care due to cost in the past year, and 42% have struggled to pay medical bills or repay medical debts, according to the latest biennial insurance survey. Commonwealth Fund disease.

“This survey demonstrates that having health insurance is not enough for millions of Americans who need good coverage, with affordable premiums and manageable out-of-pocket costs, protecting them from long-term financial problems.” , says Sara Collins of the Commonwealth. Fund, lead author of the survey summary. “The Affordable Care Act has made great strides toward better health insurance, but more work needs to be done to close remaining coverage gaps and design health plans that encourage people to get the health care they need. they need to lead productive and fulfilling lives.”

Among the main results:

  • Forty-three percent of adults of working age are insufficiently insured. This includes people who are uninsured (9%), who have had a coverage gap in the past year (1%) or who are underinsured, meaning their coverage does not provide them with a affordable access to health care (23%).
  • High spending caps expose people to significant costs. Half of respondents say they would be unable to pay an unexpected $1,000 medical bill within 30 days, including 68% low-income adults, 69% Black adults, and 63% Latino/ hispanics.
  • Chronic uninsurance persists among specific populations People who were uninsured for a year or more were disproportionately young, Latino/Hispanic, poor, sicker or living in the South.
  • Asked to name their health policy priorities, Americans agree on the need to reduce health care costs. Sixty-eight percent of Democrats, 55% of Independents and 46% of Republicans say President Biden and Congress should make health care costs a top priority in the coming year.

Related: Health care costs expected to be $13,800 per person in 2023

“The fact that so many people in this country cannot afford needed healthcare – even with coverage at an all-time high – underscores the importance of tackling healthcare costs,” says Dr David Blumenthal, Chairman of the Commonwealth Fund. “Comprehensive and affordable coverage for all Americans is essential to good health and a strong healthcare system.”