Wednesday, March 25, 2020

Chart Review: Insurance And Ability To Pay Medical Bills


Josee Farmer, Health Care Policy Intern
A recent Centers for Disease Control and Prevention analysis of the National Health Interview Survey results from 2011 through 2018 found that the percentage of people who reported having had problems paying their medical bills in the previous year decreased from 19.7 percent in 2011 to 14.2 percent in 2018 – a drop from roughly 48.9 million people to 35.3 million. The downward trend remains when individuals who faced medical debt are included with those who report having had trouble paying their bills (from 32.4 percent in 2011 to 27.9 percent in 2017), according to a separate analysis by the State Health Access Data Assistance Center. This drop is likely due in part to the Affordable Care Act (ACA) expanding the number of people with insurance, but the data indicate that the ACA cannot be the only reason: As the chart below shows, the rate of individuals who had problems paying their medical bills or who faced medical debt dropped for those with private insurance, those with public insurance, and – most surprising – for those with no insurance (from 46.9 percent in 2011 to 42.2 percent in 2017). The declines were not uniform or consistent, but the overall trend holds for all three groups. A number of factors could be contributing to these declines, including increasing income levels or a decrease in interactions with the medical system at large.
Population Facing Problems Paying Medical Bills by Coverage Type
Data obtained from National Health Interview Survey through Shadac State Health Compare

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