Poll Finding

Health Care Access and Affordability for Adults with Multiple or Complex Health Conditions: A Snapshot of Patient Experiences

Published: Sep 15, 2026

KFF polling has long shown that many U.S. families struggle to afford health care and how costs shape decisions about whether and when to seek care. In the past year, worries about costs have intensified, with the cost of health care topping the public’s list of economic anxieties. Even adults with health insurance report difficulty affording health care, and many say they have health care debt. These concerns have implications for people’s access to care, health and well-being, and financial security.

While previous KFF polling has examined the public’s experiences with health care costs, sample size limitations have made it difficult to examine the experiences of adults with serious or complex health conditions. The KFF Survey of Health Access and Caregiving helps fill this gap with a large, nationally representative sample of 25,873 adults, including 16,677 who say they have received treatment for at least one health condition in the past year. The survey’s large sample size makes it possible to examine the experiences of adults with specific conditions including cancer, lung disease, diabetes, cardiovascular disease, and mental health conditions, while also allowing for analysis by other demographics like age and insurance coverage.

Key Takeaways

  • While the high cost of health care is felt by many adults, those with multiple or complex health conditions are especially burdened. For example, a third (36%) of adults ages 18-64 with three or more health conditions say they had problems paying or were unable to pay medical bills in the past year, higher than the one in five (20%) without ongoing health conditions. Substantial shares of adults ages 18-64 with multiple health conditions also say they skipped or delayed getting health care due to cost (36%) or did not take their medication as prescribed (25%) in the past year due to the cost. Skipping or delaying health care has serious implications, with about a quarter (27%) of those with multiple conditions saying their health got worse as a result. Similarly high shares of adults with serious health conditions like cardiovascular disease, cancer, or a mental health condition report financial and access challenges. For example, four in ten (42%) adults ages 18-64 with a mental health condition say they skipped or delayed a health care appointment due to the cost and a similar share (37%) of those with cardiovascular disease say they had problems paying medical bills in the past year. 
  • Beyond challenges with access and cost, many insured adults with multiple or complex health conditions also face issues getting their insurance to cover care and treatments they need. About half (49%) of insured adults ages 18-64 with three or more health conditions say their insurance company has denied or delayed a health care service in the past two years, rising to 47% among those with a mental health condition and 43% among those with asthma, emphysema, or lung disease. These issues are common across health insurance types, with many insured adults with multiple or serious health conditions saying they have experienced a denial or delay for a service, treatment, or medication they or their doctor requested in the past two years.
  • Challenges accessing and paying for health care are especially acute among the uninsured population who are being treated for multiple health conditions. While concerns about costs are widespread, about seven in ten (72%) uninsured adults with multiple health conditions say they have had problems paying medical bills in the past year, and half (50%) have had to cut back on household expenses as a result. In addition, uninsured adults with multiple health conditions are about twice as likely as their insured counterparts to say they skipped or delayed care (68% vs. 35%) or did not take their medications as prescribed (51% vs. 24%) in the past year because of the cost. These challenges are compounded by a lack of access to care, with about one in five (18%) uninsured adults with multiple health conditions saying they do not have a usual source of care other than an emergency room.
  • Despite some insulation from costs and high rates of Medicare coverage, about a quarter of adults 65 and older with multiple or complex health conditions have experienced an insurance delay or denial for a service or drug they needed in the past two years. In addition, one in five or more older adults with multiple health conditions and complex health conditions say they have skipped or delayed health care in the past year for any reason, including the cost or not being able to get an appointment. Overall, about one in ten older adults with multiple conditions say their health got worse after skipping or postponing needed care.
  • Adults with mental health conditions face some of the greatest challenges accessing and affording health care. Six in ten adults ages 18-64 with mental health conditions say they skipped or delayed care in the past year (59%) and about half (47%) of insured adults with a mental health condition report experiencing delays or denials by their insurance company in the past two years. One-quarter of adults ages 18-64 with a mental health condition report skipping or not taking their medication as prescribed in the past year because they couldn’t afford it, which may have serious consequences for those who rely on medication to manage their mental health. While mental health conditions disproportionately affect younger adults, those ages 65 and older with a mental health condition also face some challenges despite the prevalence of Medicare coverage, with three in ten (30%) of this group saying they skipped or delayed health care for any reason in the past year and one in seven (14%) saying their health got worse as a result.
  • Substantial shares of adults undergoing cancer treatment report experiencing insurance delays and denials. Among those who have received treatment or medication for cancer in the past year, 43% of adults ages 18-64 and 21% of those ages 65 and older say their insurance has denied coverage of or delayed their ability to get a health care service, treatment, or medication their doctor prescribed in the past year. Given the complicated nature of cancer treatment, these delays and denials may have serious health implications for this group. In fact, about one in five (18%) adults ages 18-64 with cancer say their health got worse as a result of skipping or delaying care in the past year.

Groups Examined in This Report

Researchers take various approaches to define and measure health conditions among the U.S. population. In this report, we examine the experiences of those who say they have received medical treatment or taken prescription medication in the past 12 months for 5 serious or complex health conditions:

  • Diabetes
  • Asthma, emphysema, or lung disease
  • Cardiovascular or heart disease
  • Cancer; or
  • A mental health condition

We also look at adults who are managing multiple health conditions, defined as those who have been treated or taken medication for 3 or more from a list of 18 different health conditions in the past year.1

Throughout this report, we make comparisons to adults who say have not received medical treatment or taken prescription medication for any of these 18 health conditions in the past year. While this group may have interactions with the health care system throughout the year for things like routine care and acute illnesses, they are a group that is relatively healthy in comparison to those with multiple complex conditions. For more details on the demographic characteristics of adults in each of these groups, see the Appendix.

Managing Care for Multiple or Complex Health Conditions Among Adults 18-64

This section examines the unique challenges faced by adults ages 18-64 who are managing complex health conditions. (The experiences of adults ages 65 and over, who are largely covered by Medicare, are examined in a separate section below.) About one in five adults ages 18-64 (18%) are managing three or more health conditions, while about one in six (15%) have been treated for a mental health condition in the past year, about one in ten have been treated for diabetes (9%), or asthma, emphysema, or lung disease (8%), and fewer say they have been treated for cardiovascular disease (3%) or cancer (2%).

Access To Care Among Adults 18-64 With Multiple or Complex Health Conditions

About half (52%) of adults ages 18-64 with three or more health conditions and similar shares of those who have been treated for complex health conditions like lung disease and cardiovascular disease in the past year report they did not get the health care they needed in the past year, rising to about six in ten (59%) for those with a mental health condition. Among those ages 18-64 with three or more health conditions, more than a third (36%) say they skipped or delayed getting care due to the cost, a quarter (25%) couldn’t find a provider with available appointments, and about three in ten (28%) skipped or delayed care for some other reason.

Across adults ages 18-64 with complex health conditions, costs are the most prevalent reason cited for skipping or delaying health care. Those who have been treated for a mental health condition are especially likely to say they’ve not gotten the care they needed in the past year, with about six in ten (59%) saying they’ve skipped or delayed care for any reason, including four in ten (42%) who said it was due to cost. About half of adults with lung disease (55%) or cardiovascular disease (49%) also say they missed care for any of these reasons in the past year, as do 46% of those with diabetes and 43% of those with cancer.

Notably, a substantial share (43%) of adults with no active health conditions from a list of 18 common conditions report skipping or delaying care in the past year. This may reflect skipping or delaying routine check-ups or screenings or care for acute illnesses or injuries.

Split bar chart showing share of adults ages 18-64 that say they tried to get health care but had no appointments available, skipped or delated their care due to cost, or had any other reason besides cost or no appointment for delaying care, as well as the share who gave any of these reasons for delaying care. Reported among total adults ages 18-64, by number of active health conditions, and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

Skipping care results in health consequences for many adults ages 18-64 with serious or multiple health conditions. About three in ten adults ages 18-64 with a mental health condition (32%) or asthma, emphysema, or lung disease (29%) say they skipped or delayed care in the past year and their health got worse as a result. About three in ten (27%) of those managing three or more health conditions also say this, about twice as many as those with no active health condition who report such an outcome (13%). Delays in care also led to worsening health for about a quarter of those with cardiovascular disease (24%) and one in five of those with diabetes (21%), or cancer (18%). Research has shown how postponing or going without needed health care can exacerbate health problems and take more time and resources to treat, which is particularly crucial for adults with complex or multiple health conditions.

Bar chart showing share of adults ages 18-64 who say their health got worse because they skipped or delayed care. Reported among total adults ages 18-64, by number of active health conditions, and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

About one in five or more adults ages 18-64 with multiple or complex health conditions also report not taking their medication as prescribed because they can’t afford the cost. One-quarter of adults with multiple health conditions (25%), lung disease (25%), or a mental health condition (25%) say they have cut pills in half, skipped doses, or decided not to fill a prescription in the past year because they could not afford it. About one in five adults who have diabetes (22%), cardiovascular disease (22%), or cancer (19%) also say they have not taken their medication as prescribed due to the cost. In contrast, about half as many adults without a health condition (10%) say they have not taken medication as prescribed due to the cost in the past year.

Bar chart showing share of adults ages 18-64 who say they cut pills in half, skipped doses of a medication, or decided not to fill a prescription because of the cost in the past 12 months. Reported among total adults ages 18-64, by number of active health conditions, and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

The Financial Burden of Managing Care for Multiple or Complex Health Conditions Among Adults Ages 18-64

The high cost of managing care is a burden for adults ages 18-64 with multiple health conditions, with about a third (36%) of those with three or more conditions saying they have had problems paying medical bills in the past year, and about a quarter (24%) saying they cut back on household expenses as a result. These shares are nearly double the shares reported by adults without complex conditions, among whom one in five (20%) say they had problems paying medical bills and about one in eight (13%) cut back on household expenses as a result.

Among those ages 18-64 with specific health conditions, at least three in ten of those with cardiovascular disease (37%), a mental health condition (36%), diabetes (33%), lung disease (32%), and cancer (30%) report problems paying medical bills. At least one in five across these groups say they have had to cut back on household expenses like food, clothing, or basic household items to pay for health care costs, ranging from 20% of those with asthma, emphysema, or lung disease to 28% of those with cardiovascular disease.

Split bar chart showing share of adults ages 18-64 who say they had problems or were unable to pay medical bills or they had to cut back on household expenses due to medical bills in the past 12 months. Reported among total adults ages 18-64, by number of active health conditions, and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

Many Adults Ages 18-64 With Multiple or Complex Health Conditions Experience Insurance Delays and Denials

Navigating health insurance coverage is another challenge those with multiple or complex health conditions face. Most adults ages 18-64 with multiple health conditions have health insurance, with nearly half covered through an employer (46%), three in ten (30%) through Medicaid, one in six (15%) through some other form of insurance, and 4% through non-group insurance. Fewer than one in ten (4%) are uninsured. Among those with specific conditions, uninsured rates are also low, ranging from 3% among adults ages 18-64 with cancer to 6% among those with diabetes, cardiovascular disease, or a mental health condition. These rates are lower than the uninsured rate among the overall population ages 18-64, which may reflect the fact that many uninsured adults live with conditions that have never been diagnosed because they are less likely to see a health professional regularly.

Stacked bar chart showing insurance coverage of adults ages 18-64 with multiple and serious health conditions. Reported among total adults with 3 or more active health conditions and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

About half (49%) of insured adults ages 18-64 with multiple conditions say their insurance company has either denied coverage or delayed their ability to get a service, treatment, or medication their doctor prescribed in the past two years. About four in ten (41%) insured adults ages 18-64 with multiple health conditions say their insurance company denied coverage for a treatment they needed and nearly four in ten (37%) say their insurance company delayed their ability to get treatment. These shares are more than double those reported by insured adults ages 18-64 without serious conditions. Close to half of insured adults ages 18-64 with a mental health condition (47%) or cardiovascular disease (45%) report experiencing insurance delays or denials in the past two years, while roughly four in ten of those with cancer (43%), lung disease (43%) and diabetes (38%) say the same.

These reported insurance delays and denials may reflect a range of care and services, including services that are subject to prior authorization, prescription drugs that are not included in a plan’s formulary, or services like acupuncture, infertility treatment, and hearing aids that are not covered by all insurance plans.

Split bar chart showing share of insured adults ages 18-64 who say their health insurance company denied coverage for or delayed their ability to get a health care service, treatment, or medication that they or their doctor requested in the past two years. Reported among total insured adults ages 18-64, by number of active health conditions, and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

These issues navigating insurance abound across adults ages 18-64 with multiple or complex conditions, regardless of the source of their health coverage. Similar shares of adults ages 18-64 with multiple or complex conditions have experienced delays or denials in the past two years from their health insurance across coverage types. For example, among adults 18-64 with multiple health conditions, about half of those with an employer-sponsored plan (49%) and Medicaid (50%) report experiencing a delay or denial, while 54% of adults ages 18-64 with non-group insurance say the same. Across adults ages 18-64 with specific health conditions such as diabetes and cardiovascular disease, there is a similar pattern, with similar shares of adults reporting problems with their insurance company regardless of the source of their coverage.

Split bar chart showing insurance coverage of insured adults ages 18-64 who say their health insurance company denied coverage for or delayed their ability to get a health care service, treatment, or medication that they or their doctor requested in the past two years. Reported among total insured adults ages 18-64, by number of active health conditions, and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

Navigating Multiple or Complex Health Conditions While Uninsured

KFF polling has long shown how a lack of health insurance coverage can exacerbate challenges with health care costs and access to care. In this section, we explore these challenges with access and paying for health care among adults ages 18-64 who are uninsured, who make up about 10% of the adult population ages 18-64. Among the uninsured population under age 65, most (69%) adults say they have not been treated for any health condition in the past year, while about a quarter (23%) have been treated for 1-2 conditions, and about one in ten (8%) have been treated for three or more conditions.

Due to sample size limitations, data in this section are shown only among adults ages 18-64 who say they have been treated for multiple conditions in the past year (8% of all uninsured adults ages 18-64) and among those who received treatment for a mental health condition in the past year (10% of all uninsured adults ages 18-64). Sample sizes for uninsured adults ages 18-64 being treated for other serious health conditions (diabetes, lung disease, cardiovascular disease, and cancer) are too small to report. Notably, this analysis does not include uninsured adults who may be living with these conditions but have never been diagnosed because of lack of access to health care providers and services.

About one in five (18%) uninsured adults ages 18-64 with multiple health conditions say they do not have a usual source of care other than an emergency room, three times as many as their insured counterparts (6%). While about three in ten uninsured adults with multiple health conditions say they go to a private doctor’s office, most, about four in ten (40%), say they usually go to a neighborhood clinic or health center when they are sick or need advice about their health. This is in contrast to adults with multiple health conditions who have insurance, who are most likely to say they visit a private doctor’s office (63%), and fewer (15%) say they usually visit a neighborhood clinic or health center. Adults who are uninsured and being treated for a mental health condition are particularly likely to say they do not have a usual source of care, with about a third (36%) saying this compared to 6% of their insured counterparts.

Stacked bar chart showing where adults ages 18-64 with multiple health conditions say they usually call or go to when they are sick or when they need advice about your health. Reported among insured and uninsured adults with 3 or more active health conditions and adults who were treated for a mental health condition in the past year.

Uninsured adults with multiple health conditions are especially vulnerable to the high cost of health care. About seven in ten (72%) uninsured adults with multiple conditions say they had problems paying medical bills in the past year and half (50%) said they had to cut back on household expenses as a result. This is much higher than their insured counterparts, of whom about a third (35%) and one in five (23%) respectively said they did this in the past year. These real-life impacts of high health care costs are also felt by uninsured adults with a mental health condition, of whom two-thirds (65%) say they had problems paying or were unable to pay medical bills in the past year, and about half (52%) who said they had to cut back on household expenses due to health care costs.  

Split bar chart showing share of adults who say they had problems paying or where unable to pay medical bills or they had to cut back on household expenses due to medical bills in the past 12 months. Reported among insured and uninsured adults with 3 or more active health conditions and adults who were treated for a mental health condition in the past year.

While concerns about health care costs are widespread, uninsured adults ages 18-64 with multiple conditions are more than about twice as likely as insured adults to say they skipped care in the past year because of the cost (68% vs. 35%). This share rises to more than eight in ten (84%) among uninsured adults ages 18-64 with a mental health condition who say they skipped or delayed care due to cost, also about twice as many as their insured counterparts (40%). Fewer uninsured adults with multiple conditions say they skipped care due to not being able to get an appointment (31%) or due to other reasons (37%). In contrast, uninsured adults with a mental health condition are much more likely to say they couldn’t get an appointment than those who have insurance (43% vs. 29%).

Split bar chart showing share of adults ages 18-64 that say they tried to get health care but had no appointments available, skipped or delated their care due to cost, or had any other reason besides cost or no appointment for delaying care, as well as the share who gave any of these reasons for delaying care. Reported among insured and uninsured adults with 3 or more active health conditions and adults who were treated for a mental health condition in the past year.

Skipping or delaying care has serious consequences for uninsured adults’ health outcomes, with about four in ten (43%) with multiple conditions and about half (47%) with a mental health condition saying their health got worse. This is higher than the share of insured adults who say the same (27% among those with multiple conditions, 31% among those with a mental health condition). Not getting needed care may be particularly fraught for uninsured adults, since health conditions can worsen over time and become more costly to treat.

Bar chart showing share of adults ages 18-64 who say their health got worse because they skipped or delayed care. Reported among insured and uninsured adults with 3 or more active health conditions and adults who were treated for a mental health condition in the past year.

Among adults 18-64 with multiple health conditions or a mental health condition, those who lack health insurance are about twice as likely as those who are insured to say they didn’t take their medication as prescribed in the past year because they couldn’t afford the cost. About half (51%) of uninsured adults with multiple conditions say, in the past 12 months, they cut pills in half, skipped doses of a medication, or decided not to fill a prescription because of the cost, about double the share of those who are insured who said the same (24%). A majority (56%) of uninsured adults with a mental health condition say they didn’t take their medication as directed, compared to about a quarter (23%) of their insured counterparts who say this.

Bar chart showing share of adults ages 18-64 who say they cut pills in half, skipped doses of a medication, or decided not to fill a prescription because of the cost in the past 12 months. Reported among insured and uninsured adults with 3 or more active health conditions and adults who were treated for a mental health condition in the past year.

Managing Multiple or Complex Health Conditions Among Adults 65 And Older

Many of the health conditions examined in this report disproportionately affect older adults. At the same time, most adults ages 65 and over are covered by Medicare, which can help prevent or mitigate challenges with health care access and cost. Still, older adults with multiple or complex health conditions are not immune from cost and access problems. Many older adults have multiple health conditions: about four in ten (42%) say they have been treated for three or more conditions in the past year, while about one in five (19%) say they have been treated for diabetes, one in six (15%) have been treated for cardiovascular disease, and smaller shares report being treated for lung disease (9%), cancer (7%), or a mental health condition (6%).

Despite high coverage rates through Medicare, a quarter (25%) of adults 65 and older with multiple health conditions say their insurance has either denied or delayed a health care service, treatment, or medication their doctor prescribed in the past two years. This share includes about one in five (21%) who say their insurance denied treatment and about one in six (15%) who say their insurance delayed treatment. The share of older adults reporting a delay or denial varies by health condition, with about three in ten of older adults with asthma, emphysema, or lung disease (31%) or a mental health condition (29%) saying this, compared to about a quarter of older adults with diabetes (25%) and about one in five among those with cancer (21%) or cardiovascular disease (20%).

While prior authorization is rarely used in traditional Medicare, it is more common in Medicare Advantage and in Medicare Part D plans that cover prescription drugs, which cover large shares of the population ages 65 and over. Further, as noted above, people reporting insurance delays and denials for services may have experienced other situations beyond those related to prior authorization (such as being prescribed a drug not included on their plan’s formulary or needing services not covered by Medicare).

Split bar chart showing share of insured adults ages 65+ who say their health insurance company denied coverage for or delayed their ability to get a health care service, treatment, or medication that they or their doctor requested in the past two years. Reported among total insured adults ages 65+, by number of active health conditions, and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

A quarter (25%) of older adults with multiple health conditions and similar shares of those with complex health conditions report not getting the health care they needed in the past year. Similar shares of older adults with multiple conditions say they skipped or delayed care due to cost (10%), because they couldn’t get an appointment (12%), or any other reason (11%). Among older adults, similar shares across complex health conditions say they did not get the care they needed, ranging from three in ten (30%) older adults with a mental health condition to about one in five (21%) with diabetes. 

Split bar chart showing share of adults ages 65+ that say they tried to get health care but had no appointments available, skipped or delated their care due to cost, or had any other reason besides cost or no appointment for delaying care, as well as the share who gave any of these reasons for delaying care. Reported among total adults ages 65+, by number of active health conditions, and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

About one in ten (8%) older adults with multiple health conditions experienced worse health as a result of skipping or postponing care, rising to one in seven (14%) among those with a mental health condition. Fewer than one in ten older adults with other serious health conditions say their health got worse from skipping or delaying care, ranging from 5% among those with diabetes to 8% among those with asthma, emphysema, or lung disease.

Bar chart showing share of adults ages 65+ who say their health got worse because they skipped or delayed care. Reported among total adults ages 65+, by number of active health conditions, and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

Although most older adults have prescription drug coverage through Medicare, those with multiple or certain complex conditions are more likely to say they didn’t take their medication due to cost compared to those who have no conditions (10% vs. 4%). Overall, one in ten (10%) older adults with multiple conditions say they cut pills in half, skipped doses of a medication, or decided not to fill a prescription because of the cost. This share rises to about one in seven older adults with asthma, emphysema, or lung disease (14%) or a mental health condition (13%).

Bar chart showing share of adults ages 65+ who say they cut pills in half, skipped doses of a medication, or decided not to fill a prescription because of the cost in the past 12 months. Reported among total adults ages 65+, by number of active health conditions, and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

Older adults with multiple health conditions are twice as likely to say they had problems paying or were unable to pay medical bills in the past year compared to those with no health conditions (14% vs. 7%), rising to 19% among older adults with a mental health condition. About one in ten (9%) older adults also say they had to cut back on household expenses because of medical bills. Across older adults with complex health conditions, similar shares say they had to cut back on household spending as a result of medical bills.

Split bar chart showing share of adults ages 65+ who say they had problems or were unable to pay medical bills or they had to cut back on household expenses due to medical bills in the past 12 months. Reported among total adults ages 65+, by number of active health conditions, and among adults treated for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition.

The KFF Survey of Health Access and Caregiving was a series of questions designed and implemented by KFF with the SSRS Opinion Panel Mega-Omnibus. The survey was conducted May 4 – May 26, 2026, online and by telephone among a nationally representative sample of 25,873 U.S. adults in English (n=25,422) and in Spanish (n=451).

The SSRS Opinion Panel is a nationally representative probability-based panel where panel members are recruited randomly in one of two ways: (a) Through invitations mailed to respondents randomly sampled from an Address-Based Sample (ABS) through the U.S. Postal Service’s Computerized Delivery Sequence (CDS); (b) recruited via random digit dial (RDD) telephone sample of cell phone numbers connected to a prepaid cell phone. Both samples were provided by Marketing Systems Group (MSG). The combined sample was reached either online (n=24,875) or over the phone (n=998) based on the panelist’s stated preference. For the online panel component, invitations were sent to panel members by email followed by up to four reminder emails and up to two reminder text messages (if consented to receive SMS).

The questions designed by KFF were included as part of a multi-stakeholder effort designed to survey all individuals currently empaneled in the SSRS Opinion Panel, with each organization paying for and having independent editorial control over its survey questions.  Substantive questions from other outside stakeholders are redacted in this report. The SSRS survey team designed the questionnaire in order to minimize potential bias from question ordering. For more information, please contact SSRS.

Respondents who completed on the web received a $5 electronic gift card incentive (some harder-to-reach groups received a $10 electronic gift card). Respondents who completed the survey on the phone received $10 via a physical check in the mail. In order to ensure data quality, cases were removed if they failed two or more quality checks: (1) attention check questions in the online version of the questionnaire, (2) had over 10% item non-response, or (3) had a length of less than 30% of the mean length by mode. Based on this criterion, 69 cases were removed.

Data were weighted to represent adults 18+ in the United States. The Panel-wide base weight adjusts for the SSRS Opinion Panel recruitment and retention process. Because all current panelists (except 2026 recruits) were invited to participate and no further sampling was performed, no further adjustments to the Panel-wide base weight were necessary before applying it to the survey data.

With the Panel-wide base weight applied, the survey-data were weighted to match the sample’s demographic profile to the same target population parameters used in the calibration of the entire SSRS Opinion Panel. The demographic variables included in weighting for the general population sample are gender, age, race/ethnicity, and education (including interactions between these categories), as well as region, civic engagement, density, frequency of internet use, voter registration, political party identification, religion, household makeup, and home ownership. Final calibrated weights are trimmed at the 2nd and 98th percentiles to prevent individual interviews from having too much influence.

The margin of sampling error including the design effect for the full sample is plus or minus 1 percentage points. Numbers of respondents and margins of sampling error for key subgroups are shown in the table below. For results based on other subgroups, the margin of sampling error may be higher. Sample sizes and margins of sampling error for other subgroups are available on request. Sampling error is only one of many potential sources of error and there may be other unmeasured error in this or any other public opinion poll. KFF public opinion and survey research is a charter member of the Transparency Initiative of the American Association for Public Opinion Research.

GroupN (unweighted)M.O.S.E.
Total25,873±1 percentage point
   
Serious and Complex Health Conditions16,677± 2 percentage points
Diabetes2,951± 3 percentage points
Asthma, emphysema, or lung disease2,309± 3 percentage points
Cardiovascular or heart disease1,575± 3 percentage points
Cancer831± 5 percentage points
A mental health condition3,781± 2 percentage points
   
Number of Serious and Complex Health Conditions  
09,196± 1 percentage point
1-29,710± 1 percentage point
3+6,967± 2 percentage points

Who Has Multiple or Complex Health Conditions?

Among all adults, about one in seven (13%) report they have been treated for a mental health condition in the past year, while about one in ten say they have been treated for diabetes (11%) or lung disease including asthma and emphysema (8%). Small shares have received treatment for cardiovascular disease (6%) or cancer (3%).

Mental health conditions are more commonly reported among the young adult population, with about one in six adults ages 18-29 and ages 30-49 saying they have been treated for one in the past year. Older adults are much more likely to have been treated for cancer or cardiovascular disease in the past year than their younger counterparts. Older adults also experience higher rates of treatment for diabetes than younger adults. In contrast, rates of lung disease, asthma, or emphysema treatment are largely similar across age, with about one in ten adults saying they have received treatment for the condition in the past year.

There are also differences by gender. Women report higher rates of receiving treatment for a mental health condition (15% vs. 9%) and lung disease, asthma, or emphysema (10% vs. 6%) than men. In contrast, men report higher rates of treatment for cardiovascular disease (7% vs. 4%) and diabetes (13% vs. 10%) than women.

The prevalence of treatment for health conditions varies across racial and ethnic groups and by type of health condition. For example, diabetes disproportionately affects Black and Hispanic adults, while receiving treatment for a mental health condition is more common among White adults.

Split bar chart showing share of adults who say they have received treatment or medication for diabetes, asthma, emphysema or lung disease, cardiovascular disease, cancer, or a mental health condition in the past year. Reported among total adults and by age, gender and race/ethnicity.

Among the total adult population, about one in four (24%) say they have been treated for three or more serious or complex health conditions in the past year, while about a third (36%) have been treated for one or two conditions, and about four in ten (40%) have not been treated for any condition asked about in the past year.

Older adults (42% of those ages 65 and over) are much more likely than younger adults to be in active treatment for multiple health conditions, and women are somewhat more likely than men to report this (26% vs. 21%). White adults (26%) and Black adults (25%) are more likely to report receiving treatment for multiple conditions in the past year compared to Hispanic (18%) and Asian or Pacific Islander adults (13%), which may reflect access to treatment as well as underlying health status.

Stacked bar chart showing share of adults who have been treated in the past year for zero, 1-2, or 3 or more health conditions. Reported among total adults and by age, gender and race/ethnicity.
  1. The full list of health conditions asked about in the survey includes: allergies (not associated with hay fever), arthritis, back pain, cancer or a malignancy of any kind, cardiovascular disease/heart disease, diabetes, hypertension or high blood pressure, high cholesterol, mental health condition, migraines, obesity, sinusitis, sleep disorder, thyroid problems, Parkinson’s disease, kidney disease, substance use disorder, or asthma, lung disease or emphysema.  ↩︎
News Release

Survey: Adults With Multiple or Complex Health Conditions Face Significant Challenges with Health Costs and Commonly Struggle to Access Care 

Uninsured Adults With Multiple Conditions Struggle the Most to Afford and Access Care

Published: Sep 15, 2026

Adults with multiple or complex health conditions, who already face unique physical and mental challenges, commonly struggle to pay their medical bills and access needed care and medication—challenges that fall hardest on uninsured adults, according to a new KFF survey of more than 25 thousand adults. A companion Beyond the Data column by KFF Founding President and CEO Dr. Drew Altman explores the survey’s findings about uninsured adults with greater health needs and considers why the national discussion of the affordability crisis has largely ignored this group.

“If the first obligation of a health care system is to take care of the sick, we are failing that test. Cost and access problems are hitting the chronically ill hard, and the chronically ill and uninsured especially hard,” said Dr. Drew Altman.

The survey’s large sample size allowed KFF analysts to examine the experiences of adults with certain serious health conditions—including cancer, lung disease, diabetes, cardiovascular disease, or a mental health condition—as well as those managing care for multiple health problems.

About a third of adults ages 18-64 with multiple or certain complex health conditions say they struggled to pay or could not pay their medical bills in the past year. Adults with three or more conditions (36%), those with cardiovascular disease (37%), and those with a mental health condition (36%) are particularly likely to report struggling with medical bills. As part of these affordability challenges, about a quarter of adults with three or more conditions say they have had to cut back on household expenses to cover medical costs, compared to just about 1 in 10 of those without active health conditions.

High health costs can create major barriers to care, sometimes determining who is able to access the treatments and medications they need. About half of adults with three or more health conditions say they skipped or delayed care in the past year, including about 1 in 3 who did so due to cost. About 1 in 5 or more adults with multiple or complex health conditions also report not taking their medications as prescribed because they could not afford the cost.

Skipping or delaying care can have serious consequences. Substantial shares of adults across health conditions say their health got worse because they skipped or delayed care, including about 3 in 10 of those with a mental health condition (32%) or lung disease (29%), one quarter of those with cardiovascular disease (24%), and about 1 in 5 of those with cancer (18%) or diabetes (21%).

In addition to challenges with costs, insured adults with greater health needs commonly encounter insurance coverage delays or denials—problems that occur across specific health conditions. About half of insured adults ages 18-64 with three or more conditions say their insurer denied or delayed coverage for a service, treatment, or medication their doctor prescribed, as do about 4 in 10 or more insured adults with certain complex conditions, including diabetes (38%), lung disease (43%), cancer (43%), cardiovascular disease (45%), or a mental health condition (47%).

Uninsured Adults Struggle the Most to Afford and Access Care
As Drew Altman writes in his new column, health care affordability is most challenging for uninsured adults with multiple health conditions—most of whom say they struggle with medical bills (72%) and half of whom say they cut back on household spending to cover their health costs. Uninsured adults with three or more health conditions are twenty percentage points more likely than their insured counterparts to say they skipped or delayed needed care in the past year (71% vs. 51%). They are also about twice as likely as those who are insured to say they did not take their medication as prescribed due to cost (51% vs. 24%).

For uninsured adults, going without needed care and medications may carry even greater risks that worsen existing barriers to care. Untreated health conditions can worsen over time and become more difficult and costly to treat. Among uninsured adults, about 4 in 10 with multiple conditions (43%) and about half with a mental health condition (47%) say their health got worse after skipping or delaying care—making them about one and a half times as likely as their insured counterparts to experience a decline in health.

Other findings about older adults (aged 65+) with multiple and complex health conditions are available in the full report.

Dr. Altman will discuss KFF’s findings about chronic health conditions and the broader health policy landscape in his keynote address at the National Academy of Medicine’s Annual Meeting in October.

Designed and analyzed by KFF public opinion researchers, KFF’s Survey of Health Access and Caregiving was conducted in English and in Spanish May 4 – 26, 2026, online and by telephone among a large, nationally representative sample of 25,873 adults, including 16,677 who say they have received treatment for at least one serious or complex health condition in the past year. The margin of sampling error is plus or minus one percentage point for the full sample. For results based on other subgroups, the margin of sampling error may be higher.

The Business of Health with Chip Kahn

FDA Regulation and the Dynamic Nature of AI

September 15, 2026

Video

Audio

About this Episode


Episode 15, AI Series: Dr. Brian Miller has seen medical technology regulation from every side — as a hospitalist, a former FDA official, and now an associate professor at Johns Hopkins University, where he leads a research group on market-driven approaches to FDA regulation and Medicare payment policy. In this episode, Chip talks with Miller about what happens when the FDA applies its 1976 medical device framework to AI — a technology that learns and changes.

Miller’s argument may surprise you: the manual system of medicine we have today is already less safe and less consistent than most people assume. What keeps him up at night isn’t the speed of AI — it’s the risk that fear-driven regulation will cost us the opportunities AI offers. The conversation was recorded shortly before the FDA released a discussion paper outlining possible regulatory approaches and inviting stakeholder feedback. Chip weighs in on the paper at the end of the episode.

The Host


Headshot photo of Chip Kahn wearing a navy blue suit with a red tie, red pendant on lapel, and glasses.

Sr. Visiting Fellow

Charles N. Kahn III is a senior visiting fellow at KFF. He is also a visiting senior fellow at the American Enterprise Institute and a nonresident senior scholar at the University of Southern California’s Schaeffer Center for Health Policy & Economics. He serves as co-chair of the international Future of Health collaborative.

Guest


Associate Professor of Medicine at the Johns Hopkins University School of Medicine; Visiting Fellow, Hoover Institution

Brian Miller, MD, MBA, MPH, is a practicing hospitalist at the Johns Hopkins Hospital, an Associate Professor of Medicine and Business (courtesy) at Johns Hopkins University, and a Visiting Fellow at the Hoover Institution. Dr. Miller runs a multi-disciplinary, twenty-person research group that analyzes market-driven solutions in FDA regulatory policy and Medicare payment policy. He has broad regulatory experience at the Centers for Medicare & Medicaid Services, the Federal Trade Commission, the Federal Communications Commission, and the U.S. Food and Drug Administration and is familiar with merger review, software and medical device product review, and payment policy.

Dr. Miller serves as a Commissioner on the Medicare Payment Advisory Commission which advises Congress on the $1 trillion Medicare program and as a Trustee for the North Carolina State Health Plan, a $4.5 billion health plan covering over 750,000 state employees, dependents and retirees. He serves as an advisor to members of Congress and other elected officials and lives in Washington, D.C.


SERIES

This weekly podcast features insightful conversations between host Chip Kahn and his guests, who discuss the business of health care, connecting the dots between the health care business, policy, and patients.

The podcast’s first series on AI in health care illuminates how AI is changing health care, and features guests who are deploying this technology, managing its consequences, and designing policy around it.

VOLUME 54

Correcting False Health Claims and Navigating AI-Generated Information


Highlights

Recent research on correcting false or misleading claims finds that corrections can improve the accuracy of people’s beliefs, but their impact on engagement may depend on reaching people before a claim has already spread widely.

And research on AI-generated search results suggests that people may be less likely to visit the original sources behind AI-generated answers. As these tools become more common, health organizations may need to consider how changes in information-seeking behavior affect their ability to reach audiences and build trust.


What We’re Watching

Social Media Fact-Checks Can Reduce Belief in False Claims, But Timing Matters For Limiting Reposts

As the public navigates information environments with large volumes of conflicting information from different sources, health communicators face the challenge of understanding how and when to address false claims. A growing body of research suggests that corrections after someone has been exposed to a claim on social media can reduce belief in misinformation. At the same time, the timing of corrections may matter for limiting reposts that give false claims further spread.

In recent years, social media platforms have scaled back or changed approaches designed to limit the spread of misleading content through professional fact-checking programs and instead invested in crowd-sourced fact-checking. Though professional fact-checkers may be perceived as more credible because of their training and expertise, corrections can still be effective in reducing belief in misinformation even when they come from a source that is perceived as less credible. In fact, crowd-sourced fact-checks can be as effective as expert fact-checks in reducing confidence in misinformation. X is one platform that uses a crowd-sourced fact-checking feature, known as Community Notes, to correct information deemed incorrect by its users. Recent investigations into Community Notes indicate that when added, they reduced the subsequent shares of misleading posts by 61.2%. But by the time a Community Note was published, the misleading post had often already been spread. The average time between a post being published and a note being added was about 63 hours, while posts typically had already received half of their first 36-hour reposts within about six hours after publication. As a result, Community Notes may be less effective at reducing the overall number of reposts than they are at limiting further reposts once they are added, suggesting that corrections may be most effective at limiting the spread of false claims when they appear early.

Why This Matters

While corrections can improve accuracy, their impact on reposts may depend on reaching audiences before a claim has already spread widely. Although different approaches can reduce belief in false claims to a similar degree, differences in their speed may matter alongside the accuracy of the content itself.


AI & Emerging Technology

AI-generated search results and other AI health tools are changing the way people encounter health information online, potentially making it less likely that users visit the organizations and websites that originally produced the information.

An analysis published last year by Pew Research Center tracked the web browsing activity of a nationally representative panel of 900 U.S. adults over one month in 2025. Google users rarely clicked on a link cited in an AI Overview in Google search results, doing so in just 1% of cases. When AI Overviews were present in search results, Google users were also less likely to click links from the search results that followed, doing so 8% of the time compared to 15% for pages without AI Overviews.

A March KFF poll found that about two-thirds of adults reported seeking physical or mental health information and advice from an internet search engine (68%) in the past year. With many search engines providing AI-generated summaries of search results, the Pew Research Center analysis suggests that people may be receiving information from websites without directly encountering those sources. For health organizations and other trusted messengers, evolving user behavior could change the relationship between providing information and building recognition or trust.

As AI features expand and user behaviors continue to evolve, some organizations are using techniques to increase the likelihood that their content will appear in AI-generated answers. Health care and pharmaceutical companies were early adopters of a practice called Generative Engine Optimization (GEO), designed to help sources appear more often in AI systems. One study showed these techniques increased a source’s visibility in AI responses by up to 40%, although effects varied across domains.

About The Health Information and Trust Initiative: the Health Information and Trust Initiative is a KFF program aimed at tracking health misinformation in the U.S., analyzing its impact on the American people, and mobilizing media to address the problem. Our goal is to be of service to everyone working on health misinformation, strengthen efforts to counter misinformation, and build trust. 


View all KFF Monitors

The Monitor is a report from KFF’s Health Information and Trust initiative that focuses on recent developments in health information. It’s free and published twice a month.

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Support for the Health Information and Trust initiative is provided by the Robert Wood Johnson Foundation (RWJF). The views expressed do not necessarily reflect the views of RWJF and KFF maintains full editorial control over all of its policy analysis, polling, and journalism activities. The data shared in the Monitor is sourced through media monitoring research conducted by KFF.

Mapping the Global Health Landscape: Analysis of Fourteen International Organizations

Published: Sep 11, 2026

Growing attention to health challenges, particularly those facing low- and middle-income countries, has led to the emergence of new global institutions over time, especially in the past twenty-five years. Today, the global health architecture includes a number of diverse international organizations with different mandates, governance models, financing structures, and operational approaches. At the same time, several of these organizations support the same countries, address similar health issues, and rely on the same set of revenue sources. As such, questions have been raised about whether there is duplication and/or opportunity for synergies and better coordination across entities. These questions have become even more acute as fiscal environments have increasingly tightened. As a result, multiple reform efforts have been launched to explore these questions. As one input into these processes, KFF has developed a descriptive mapping of 14 key global health and related international institutions, with a focus on their work to address health challenges in low- and middle-income countries. By looking across a range of variables, it is intended to inform discussions about synergies and coordination, duplication, comparative advantage, shared challenges, and architectural reform. Key findings include (also see Table 1):

  1. Organizational and governance models vary significantly, with implications for stakeholder representation that are particularly salient for civil society and affected communities. Among the 14 institutions, there is a range of organizational and governance models, with a fundamental distinction between the public-private partnerships and the member-state entities, most notably in their level of formal stakeholder representation and decision-making powers with public-private partnerships including multiple stakeholders while member-state organizations including only sovereign nations. This is particularly salient for formal civil society inclusion, which is a feature of the  public-private partnerships but absent from member-state organizations.
  2. The 14 organizations address a range of health issues as a core part of what they do, with the most common being “health systems strengthening” (HSS).  After HSS, the second most common areas are global health security/pandemic preparedness and response (GHS/PPR) and maternal and child health (MCH), with less concentrated focus on disease-specific issues, and the least focus on family planning/reproductive health (FP/RH). As such, HSS may offer an opportunity for further collaboration and exploration, some of which is already underway.  
  3. The primary functional modalities used – how each organization addresses health – vary as well, with the most common being technical assistance (TA) followed by country financing and market shaping.  Further assessment could identify opportunities for collaboration or streamlining across functional modalities, such as exploration of the types of TA provided, country financing models used, and whether there are additional areas of synergy across market shaping activities. 
  4. Fundraising approaches and cycles are generally not aligned.  Most of the organizations included have different approaches to fundraising, including replenishment conferences and/or other investment opportunities, usually operating on different timelines. On the one hand, this may afford each organization the opportunity to draw focused attention to its efforts. On the other, donors may be faced with multiple successive investment opportunities at times when resources are tight.
  5. For the subset of organizations that provide country financing, funding cycles are also not aligned. Instead, these periods are generally tied to organizational fundraising cycles – or in some cases, the type of financing instrument provided– presenting countries with multiple different grant and other financing periods, which in and of itself could contribute to inefficiency and administrative burden. 
  6. Multiple graduation policies and co-financing requirements, while used to incentivize domestic spending and program transitions, could present countries with unanticipated and undue burden, at least in the short term. As resources tighten, and organizations are faced with the need to channel limited resources to the lowest income, highest need countries, an increasing number of countries are finding themselves on a glidepath to transition, including from more than one organization included in this analysis as well as other donors. As such, even countries with rising income may find themselves facing significant financial burden and challenges in taking over more of their health responses. How international organizations and others coordinate in this area could have significant implications for program sustainability.
  7. Finally, while examination within any one variable yields important comparative information, a deeper dive across two or more provides a more comprehensive and nuanced picture of the role of each organization in the global health ecosystem. When viewed this way, the overlap between organizations is reduced and in some cases quite limited, such as for HIV, where the four organizations with an HIV focus do so from relatively distinct vantage points, with the Global Fund being the only one providing dedicated country financing. Similarly for FP/RH and vaccines, only one organization provides dedicated country financing (GFF for FP/RH and Gavi for vaccines). At the same time, for other areas, including HSS, and some functions, such as TA and market shaping, there is more overlap, including at times in the same set of countries.

 

Table 1: Summary of Select Indicators
OrganizationGovernance
Model
Health as
Primary
Focus
Core/Priority Health
Area(s)
Functional
Modalities/
Services
Health
Product
Procurement*
Coalition for Epidemic PreparednessMulti-stakeholderYesGHS/PPRR&D
Gavi, the Vaccine AllianceMulti-stakeholder, with civil societyYesMalaria, MCH,
HSS, GHS/PPR
Financing; Market Shaping/Pooled Procurement; TAVaccines; diagnostics,
associated
devices/supplies
Global Finance FacilityMulti-stakeholder, with civil societyYesMCH, FP/RH,
HSS
Financing; TA 
Global Fund to Fight AIDS, Tuberculosis and MalariaMulti-stakeholder, with civil societyYesHIV, TB, Malaria,
HSS, GHS/PPR
Financing; Market Shaping/Pooled
Procurement; TA
HIV/TB/Malaria
medicines;
diagnostics; vector control; associated
devices/supplies
Pandemic FundMulti-stakeholder, with civil societyYesHSS, GHS/PPRFinancing 

RBM Partnership

Multi-stakeholder, with civil societyYesMalariaTA 
Stop TB PartnershipMulti-stakeholder, with civil societyYesTBTA; Market Shaping/Pooled ProcurementTB medicines; diagnostics;
associated
devices/supplies
UnitaidMulti-stakeholder, with civil societyYesHIV, TB, Malaria,
MCH, HSS,
GHS/PPR
Market Shaping/Pooled Procurement†
Joint United Nations Programme on HIV/AIDSMember-
State
YesHIVNormative Guidance;
TA; Global Health Surveillance
 
United Nations Population FundMember-
State
YesMCH, FP/RH,
HSS
Normative Guidance;
TA; Market Shaping/ Pooled Procurement;
Global Health Surveillance
Reproductive health medicines; diagnostics;
contraceptives;
associated devices/supplies
United Nations Children’s FundMember-
State
 MCH, HSSNormative Guidance;
TA; Market Shaping/ Pooled Procurement;
Global Health Surveillance
Vaccines; Medicines;
Diagnostics; vector control; associated devices/supplies

World Health Organization

Member-
State
YesHIV, TB,
Malaria, MCH, FP/RH, HSS, GHS/PPR
Normative Guidance;
TA; Global Health Surveillance
 
World Bank, International Bank for Reconstruction and DevelopmentMember-
State
 HSSFinancing 

World Bank, International Development Association

Member-
State
 HSSFinancing 
Key: TB = tuberculosis. FP/RH = family planning/reproductive health. MCH = maternal and child health. HHS = health systems strengthening. GHS/PPR = global health security/pandemic preparedness and response. TA= technical assistance.
*Procurement on behalf of countries as a main functional modality.
†Unitaid provides products to countries in select project work but does not operate as a procurement platform.
Sources: See Appendix Table.

Growing attention to health challenges, particularly those facing low- and middle-income countries, has led to the emergence of new global institutions, especially in the past twenty-five years. Today, the global health architecture includes a number of diverse international organizations with different mandates, governance models, financing structures, and operational approaches. At the same time, several of these organizations support the same countries, address similar health issues, and rely on the same set of revenue sources. As such, questions have been raised about whether there is duplication and/or opportunity for synergies and better coordination across entities. These questions have become even more acute as fiscal environments have increasingly tightened, and many international institutions have been forced to scale back operations. As a result, multiple reform efforts, including the Lusaka Agenda, the Accra Reset, the WHO’s Joint Process on Reform of the Global Health Architecture, and others,1,2 have been launched to explore these questions.

As reform efforts intensify, the global health community has identified the importance of developing a more structured mapping across institutions (and efforts are underway to do so, including by the Multilateral Organization Performance Assessment Network (MOPAN)3). As another input into these processes, KFF has developed a descriptive mapping of 14 key global health and related international institutions, with a focus on their work to address health challenges in low- and middle-income countries (LMICs). By looking across a range of variables, it is intended to inform discussions about synergies and coordination, duplication, comparative advantage, shared challenges, and architectural reform, although it is not meant to represent an assessment of organizational performance or effectiveness. More broadly, any mapping of the global health institutional ecosystem, including this one, offers only a snapshot within what is a rapidly changing environment.

Fourteen international organizations were identified for inclusion (see Table 2). These organizations were chosen because they represent the main health-specific international organizations operating today or are international organizations that include health in their broader mandates or activities. Still, this list is not meant to be exhaustive and does not include all international organizations working in this space (and does not include donor government development agencies, philanthropic organizations, domestic governments, or regional development banks).

A key set of analytic domains and questions was identified for analysis (e.g., type of organization; governance structure; health focus areas; functional modalities/services; country funding, eligibility criteria, and others) as were indicators within each. To identify data and information for each indicator, a review of official organizational documents and other relevant materials was conducted, as was outreach to organizations as needed. In addition to looking within domains, the analysis also sought to look across several domains to better understand the role of each organization. It is important to note that the analysis is limited to the health focus areas and functional modalities selected for inclusion (based on their role in the current global health ecosystem). As such, they do not necessarily reflect the full scope of each organization’s activities. More detail on how information was identified and categorized is provided in the methodology. An appendix table provides detailed information by organization.

Table 2: Organizations Included
1. Coalition for Epidemic Preparedness (CEPI)
2. Gavi, the Vaccine Alliance (Gavi)
3. Global Finance Facility (GFF)
4. Global Fund to Fight AIDS, Tuberculosis and Malaria (Global Fund)
5. Pandemic Fund
6. RBM Partnership (RBM)
7. Stop TB Partnership (Stop TB)
8. Unitaid
9. Joint United Nations Programme on HIV/AIDS (UNAIDS)
10. United Nations Population Fund (UNFPA)
11. United Nations Children’s Fund (UNICEF)
12. World Health Organization (WHO)
13. World Bank, International Bank for Reconstruction and Development (IBRD)
14. World Bank, International Development Association (IDA)

Organizational Classification

The 14 international organizations included in this analysis represent a range of different types of institutions, including United Nations member-based entities as well as independent, public-private partnerships, and multilateral development banks (MDBs4) (see Table 3).

  • The independent and hosted5 public-private organizations all include multi-stakeholder representatives as part of their governance models, based on a variety of factors for inclusion (see more below). The UN and MDB institutions are member-state based organizations, most of which engage non-state actors to varying degrees, but without formal decision-making power (see below).
  • The three independent public-private partnerships were each created outside of and as independent from the UN system, with independent governance bodies, rules, structures, and operations.
  • The hosted public-private organizations are not legally separate entities from their hosts, and must follow certain of their policies and procedures, but range in their degree of independence in other areas. The GFF, as a World Bank “Multi-Donor Trust Fund” (MDTF), is required to have a “Trust Fund Committee” governance body, chaired by the World Bank, which acts as its main decision-making body.6 At the same time, it also operates as a global partnership with a separate governance body that functions in an advisory capacity and is comprised of a diverse group of stakeholders (see below). The Pandemic Fund, also hosted at the World Bank, is a “Financial Intermediary Fund” (FIF), an arrangement in which the Bank is a limited Trustee that administers the Fund and houses the organization but its governance is independent.7 RBM and Stop TB are each hosted by UNOPS which provides administrative and hosting services but they maintain independent governance and programmatic responsibility8; this is similar for Unitaid, hosted by WHO.9
  • The organizations range in their longevity, with all but one of the UN and MDB entities having been established more than 50 years ago, while the independent and hosted public-private entities were created more recently, including three within the past 15 years.
Table 3: Organizational Classification 
OrganizationType of
Organization
Year Founded
CEPIIndependent public-private2017
GaviIndependent public-private2000
GFFHosted public-private2015
Global FundIndependent public-private2002
Pandemic FundHosted public-private2022
RBMHosted public-private1998
Stop TBHosted public-private2000
UnitaidHosted public-private2006
UNAIDSUnited Nations1996
UNFPAUnited Nations1967
UNICEFUnited Nations1946
WHOUnited Nations1948
IBRDMultilateral Development Bank1944
IDAMultilateral Development Bank1960
Sources: See Appendix Table.

Mission

Their missions range from more narrowly focused remits on specific health issues to much broader missions and goals (see Table 4). Of the 14, eight organizations have more focused missions – this is the case for all the independent and hosted public-private entities, each of which was created to address specific health challenges that have largely arisen or been recognized over the past two to three decades. The missions of the UN and MDB entities are generally broadly framed around expansive health and/or development goals and wider platforms that address multiple issues across all member states. One exception is UNAIDS which was created specifically to address HIV, which remains the focus of its mission.

Table 4: Organizational Mission
OrganizationMission
CEPI“[T]o accelerate the development of vaccines and other biologic countermeasures against epidemic and pandemic threats so they can be accessible to all people in need.”
Gavi“[T]o save lives and protect people’s health by increasing equitable and sustainable use of vaccines.”
GFFTo “[e]nable partner countries to expand and sustain access to affordable, quality primary health care for all women, children, and adolescents.”
Global Fund“[A] worldwide partnership to defeat AIDS, tuberculosis (TB) and malaria and ensure a healthier, safer and more equitable future for all.”
Pandemic Fund“[T]o provide a dedicated stream of additional, long-term funding for critical pandemic [prevention, preparedness, and response (pandemic PPR)] functions…to incentivize countries and other funders to invest more in pandemic PPR, and to promote a more coordinated and coherent approach to pandemic PPR strengthening.”
RBM“To convene and coordinate an inclusive, multisectoral response to control, eliminate and ultimately eradicate Malaria.”
Stop TB“[T]o achieve…a vision of a world free of TB and, until then, making diagnosis, treatment and care available to all who need it.”
Unitaid“[T]o contribute to scale up access to treatment for HIV/AIDS, malaria and tuberculosis for the people in developing countries by leveraging price reductions of quality drugs and diagnostics, which currently are unaffordable for most developing countries, and to accelerate the pace at which they are made available.”
UNAIDS“[A]n innovative partnership that leads and inspires the world in achieving universal access to HIV prevention, treatment, care and support.”
UNFPA“[T]o deliver a world where every pregnancy is wanted, every childbirth is safe, and every young person’s potential is fulfilled.”
UNICEF“[T]o advocate for the protection of children’s rights, to help meet their basic needs, and to expand their opportunities to reach their full potential.”
WHO“[A]ttainment by all peoples of the highest possible level of health.”
IBRDTo “help middle-income and creditworthy low-income countries reduce poverty and respond to regional and global challenges.”
IDATo “help low-income countries invest in their futures, improve lives, and create safer, more prosperous communities around the world.”
Sources: See Appendix Table.

Health as Primary Focus

Most, but not all, have “health” as their primary focus while others may include health in their work but it is not their main priority. Based on their stated missions and goals, eleven of the 14 institutions have health as their primary focus and as such are oriented around one or more specific health issues (see “health areas” below). The exceptions are UNICEF, IBRD and IDA which include health as part of their broader work (IBRD and IDA as part of the World Bank) and support health efforts but are not health-specific institutions. UNICEF, for example, works broadly to protect the rights of children, including through promoting health, but it also works on early childhood development, economic and social policy, and education. The World Bank has several strategic priorities, including health, as part of its larger mission to promote broader economic development and poverty reduction.10   

Governance Model

Governance models vary by size, stakeholder representation, and other characteristics, but generally fall into two overarching models – member-state and multi-stakeholder based (see Table 5). Within each model, there are different types of formal representation, and in some cases weights, given to board member seats. In the “member-state” model, the board or main governing entity is comprised of sovereign states only (IDA and IBRD apportion voting weights to member states based in part on financial contributions11) with no formal voting power given to other stakeholders. In the multi-stakeholder model, the board or main governing entity is comprised of a range of types of stakeholders (e.g., sovereign donors, implementers/country recipients, area experts, civil society, and others), based on organizational mission, financial contributions, functional needs, and other factors. In some cases, a board seat is held by one entity (typically, a sovereign donor based on financial contributions) and in others, it is shared with several others (such as a board seat held by multiple country members, NGOs, or private sector organizations). There are variations in representation across institutions both in the type of stakeholders included as well as the number of seats given to them. For example, while all multi-stakeholder organizations except one (CEPI) have seats for implementing countries (those that receive support from the organization), the Global Fund’s Board includes seven implementing country members, two of which are from Africa (representing different parts of the continent) whereas the Pandemic Fund’s Board has nine implementing country members, four of which are from Africa. There is also wide variety in civil society representation.  

Table 5: Voting Members: Board Size and Composition
OrganizationBoard
Size
Donor
Governments
Implementer Countries Private FoundationsPrivate
Sector
Civil
Society
Affected Populations†Other‡
CEPI12XX X
Gavi27XXXXXX
GFF*11/32XXXXXXX
Global Fund20XXXXXX 
Pandemic Fund21XXX X  
RBM23XXXXXXX
Stop TB26XXXXXXX
Unitaid13XXX XXX
UNAIDS22XX     
UNFPA36XX     
UNICEF36XX     
WHO193XX     
IBRD189XX     
IDA189XX     
TOTAL—141375856
Note: Based on analysis of formal bylaws or other documents. Where not available, current membership was used. Of note, several organizations also have non-voting members and/or involve stakeholders in other ways.
*GFF has two governing bodies (Trust Fund Committee and Investors Group). Trust Fund Committee governance documents do not specify the number of members and as such the number above (11) reflects its current membership. Investors Group documents do specify a number (32).
†Several organizations specify inclusion of a person affected by the issues they address in their governance such as a person living with HIV, communities affected by malaria or TB, or youth.
‡ ”Other” includes independent and technical members. In addition, several of the public-private organizations have at least one UN agency or the World Bank as a voting member including: Gavi (WHO, UNICEF, World Bank); GFF (Global Fund, Gavi, UNICEF, UNFPA, WHO, World Bank); RBM (WHO); Stop TB (WHO, Global Fund), and Unitaid (WHO).              
Sources: See Appendix Table.

Civil Society Representation

One area of difference is the extent to which civil society and affected populations are represented (see Table 6). Eight entities (all the public-private organizations) have at least one civil society voting member on their governance body. Across these, the number of voting seats ranges from one each at Gavi and CEPI, to three at the Global Fund, and seven at Stop TB. Stop TB also has the greatest share of civil society voting seats on its board (27%), followed by the Global Fund (15%). None of the UN or MDB organizations provide voting rights to civil society, although UNAIDS is unique among them for having five non-voting civil society seats. In some cases, organizations also provide financial support to enable civil society, and implementer country, participation in Board and other governance meetings, including the Global Fund12 and Unitaid13, while Stop TB indicates that it will try to support participation if funding permits.14

Table 6: Civil Society Inclusion in Governance
OrganizationNumber of Civil Society Voting MembersAs Share of Voting
Members
CEPI18%
Gavi14%
GFF*31%
Global Fund315%
Pandemic Fund210%
RBM29%
Stop TB727%
Unitaid215%
UNAIDS†00%
UNFPA00%
UNICEF00%
WHO00%
IBRD00%
IDA00%
*Based on GFF Investors Group only (the Trust Fund Committee Board does not have any civil society representatives).
†UNAIDS has five non-voting civil society members.
Sources: See Appendix Table.

Decision-Making Procedures

Decision-making and voting procedures also vary, though most strive for consensus-based decisions, usually with specific voting rules if consensus cannot be reached (see Table 7).  Across the 14, nine organizations have a stated goal in their bylaws or other governance documents of reaching consensus-based decisions (including all of the independent or hosted public/private organizations except CEPI, and two UN entities – UNAIDS and UNFPA). If consensus cannot be reached, or, in the case of entities that do not use consensus, each organization specifies voting procedures. Six require a two-thirds supermajority and six a simple majority for decisions to pass. The Global Fund and the Pandemic Fund are unique in that each requires a two-thirds supermajority among each of their two voting blocs (donors and implementers); this procedure effectively allows for a minority of board members to prevent a decision from moving forward. Most of the consensus-based organizations, however, rarely take formal votes. An exception is the Global Fund which, while striving for consensus, formally records votes for each decision.

Table 7: Decision-Making Procedure
OrganizationConsensus GoalVoting Procedure
CEPIThree-fourths majority
GaviYesTwo-thirds majority
GFFYesNo voting procedure specified
Global FundYesTwo-thirds majority, each voting bloc
Pandemic FundYesTwo-thirds majority, each voting bloc
RBMYesTwo-thirds majority
Stop TBYesSimple majority
UnitaidYesTwo-thirds majority
UNAIDSYesSimple majority
UNFPAYesSimple majority
UNICEF Simple majority
WHO Two-thirds or simple majority, depending on topic
IBRD Simple majority (unless otherwise specified)
IDA Simple majority (unless otherwise specified)
Note: Based on analysis of formal voting procedures, as specified in bylaws or other governance documents.
Sources: See Appendix Table.

Voluntary/Assessed Contributions

All organizations but one rely on voluntary contributions to carry out their missions. Voluntary contributions, primarily from sovereign donors but also, in some cases, philanthropy, are the main revenue source for all but the IBRD. The IBRD borrows from international capital markets, secured with capital provided by member states, to provide loans to eligible countries. The WHO is unique among the 14 institutions in that it also relies on assessed contributions15 from member-states primarily based on country income (although assessed contributions make up a relatively small share of its revenue). There are other revenue sources for some organizations as well, such as Product RED, a consumer marketing initiative to finance HIV through the Global Fund16 and a voluntary airline ticket levy put in place by several governments to support Unitaid’s work.17 More generally, most of the organizations in this analysis rely on the same sources for funding, and most of their funding comes from a small number of donors. For example, 74% of the GFF’s contributions come from five donors (Norway, Canada, the Gates Foundation, the U.K., and the Netherlands)18 as do 68% percent of the Global Fund’s contributions (the United States, France, UK, Germany and Japan)19 and 73% of the Pandemic Fund’s contributions (the United States, EU, Germany, Italy, and Japan).20

Strategic Periods/Replenishment

Eight of the 14 organizations use specific strategic periods and fundraising cycles, including “replenishment” models with pledging moments, to help mobilize multi-year commitments from donors (see Table 8). These include replenishment conferences or similar models used by six organizations – Gavi, GFF, the Global Fund, the Pandemic Fund, and IDA, as well as the recently instituted “Investment Round” by the WHO. CEPI and UNITAID don’t use replenishment models but also have investment cycles seeking multi-year commitments. These replenishment or fundraising cycles vary across organizations with the Global Fund using a three-year period while Gavi, CEPI, the Pandemic Fund, GFF, and UNITAID use five-year periods. Historically, IDA has used three-year periods but in its most recent replenishment, moved to a four-year period. The WHO’s newly instituted “Investment Round” was also for a four-year period. In general, these cycles do not align across institutions.

Table 8: Strategy and Replenishment Periods
OrganizationStrategy/
Replenishment
Period
Replenishment/
Investment
Cycle
CEPI2027-2031Yes
Gavi2026-2030Yes
GFF2026-2030Yes
Global Fund2023-2028 (Strategy)
2026-2028 (Replenishment)
Yes
Pandemic Fund2024-2029Yes
RBM2026-2030 
Stop TB2023-2030 
Unitaid2023-2027Yes
UNAIDS2022-2026 
UNFPA2026-2029 
UNICEF2026-2029 
WHO2025-2028Yes
IBRDN/A 
IDA2025-2028Yes
Note: Represents current strategic period and/or current or most recent replenishment round.
Sources: See Appendix Table

Country and Regional Operations

Seven organizations have country and regional operational offices, in addition to their global headquarters. All of the UN and MDB entities have country and regional operational offices, in addition to their headquarters based in Geneva, New York, or Washington DC.  None of the public-private organizations, which have headquarters in Geneva, Norway, or Washington DC, have country or regional operational offices21 and generally rely on the UN and MDB country-level operations to support their work in various capacities. While different than organizational country presence, the GFF has “Country Coordinators” and plans to expand their role, and its in-country presence more broadly, as part of its next strategy.22 The Global Fund requires there to be “Country Coordinating Mechanisms” (CCMs), which are national committees made up of government, NGO, and other stakeholders that submit funding applications and oversee grants on behalf of their countries.23

Health Focus Areas

Within health, core or priority “focus” areas vary across institutions, with the most common being health systems strengthening (see Tables 9-10). Other organizations may contribute to, or support, these health areas but they are not a main or central focus. Among the seven health focus areas assessed [HIV, tuberculosis (TB), malaria, maternal and child health (MCH), family planning and reproductive health (FP/RH), health systems strengthening (HSS), and global health security/pandemic preparedness and response (GHS/PPR)]:

  • Ten of the 14 organizations include a focus on health system strengthening (see Table 10). HSS is itself a broad set of activities24 and each organization may be addressing similar areas (e.g., health workforce, supply chains) but in different ways. For example, Gavi’s support is for strengthening immunization infrastructure and services while the Global Fund is focused on strengthening HIV, TB, and malaria service delivery and systems.   
  • The next two largest areas were each a focus of six organizations: MCH and GHS/PPR.
    • The six organizations working on MCH include: Gavi, with its core mission to scale up childhood immunizations; GFF, with a goal of ending preventable deaths of women, children and adolescents by mobilizing investments to improve country health systems; and Unitaid, which invests in innovative products designed to improve women and children’s health and reduce mortality. MCH is also a main focus for both UNICEF and UNFPA and one of WHO’s health areas.
    • Six organizations also include a core focus on GHS/PPR including two – CEPI and the Pandemic Fund – that were each created for this purpose which remains their core focus. The others, which include GHS/PPR as part of their other health work, are: Gavi, which coordinated and administered the COVAX Facility (for COVID-19 vaccines) during the COVID-19 pandemic and currently maintains the global strategic stockpiles for several outbreak-related vaccines; Unitaid which works to address capacity issues for future responses, and helps to respond to current outbreaks with new innovations;25 the Global Fund which mobilized a COVID-19 response mechanism during the pandemic and, in its last strategy, added PPR as an evolving objective and currently supports outbreak response; and WHO which provides global coordination during outbreaks, monitors the response, seeks emergency funding through coordinated appeals, and develops standards and other guidance.26
  • Five organizations focus on malaria including: Gavi’s support for scaling up new malaria vaccines; the Global Fund’s support for malaria diagnostics, treatments, vector control, and other prevention and case management interventions; RBM’s advocacy and coordination; Unitaid’s work on new technologies and innovation; and WHO’s development of normative guidance and surveillance and other related data.
  • Four organizations include a core focus on HIV – the Global Fund, Unitaid, UNAIDS, and WHO. Four include a core focus on TB – the Global Fund, Stop TB, Unitaid, and WHO. Other organizations, particularly Gavi, would step in once a vaccine for either HIV or TB, was available.
  • The area with the least core focus is FP/RH, with just two organizations – GFF and UNFPA – having a decided focus and one – WHO – which includes FP/RH as one of the many health areas within its portfolio. 
Table 9: Health Focus Areas
OrganizationHIVTBMalariaMCHFP/RHHSSGHS/PPRTOTAL
CEPIX1
Gavi  XX XX4
GFF   XXX 3
Global FundXXX  XX5
Pandemic Fund     XX2
RBM  X    1
Stop TB X     1
UnitaidXXXX XX6
UNAIDSX      1
UNFPA   XXX 3
UNICEF   X X 2
WHO*XXXXXXX7
IBRD     X 1
IDA     X 1
TOTAL44563106—
*For purposes of this analysis, the WHO, as the global health organization, was considered to have a core focus on all the areas measured, as they are part of its broad mandate.
Sources: See Appendix Table.
Table 10: Health Systems Strengthening
OrganizationHealth Systems Strengthening Areas of Support
Gavi27Service delivery; health workforce; health information systems and monitoring and learning; demand generation and community engagement; governance, policy, strategic planning and program management; health financing, vaccine-preventable disease surveillance; and supply chain.
GFF28Health facilities with critical equipment, medicines, and supplies; health workforce training; promotion of innovative service delivery models; financing reforms.
Global Fund29Health workforce, including community health workers and community systems; laboratory systems; early warning surveillance and response; data systems; medical oxygen and respiratory care; supply chain; waste management.
Pandemic Fund30Surveillance; laboratory systems; and health workforce.
Unitaid31Supporting intellectual property, regulatory processes, and quality assurance; innovative supply models; strengthening regional and domestic manufacturing capabilities.
UNFPA32Building government capacity for sustainable domestic financing; supply chains; service integration; health workforce.
UNICEF33Procurement, supply chain, and infrastructure services.
WHO34Normative guidance; data collection, monitoring, and measurement.
IBRD35Facilities, health workforce, leadership development, financing reform.
IDA36Facilities, health workforce, leadership development, financing reform.
Note: Based on organizational documents and strategies.

Functional Modalities

Functional modalities/services – how organizations carry out their missions – also differ across organizations, with the most common function being technical assistance (TA), followed by country financing and market shaping activities (see Table 11). Among the six functional modalities assessed (country financing; normative technical guidance; technical assistance; market shaping/pooled procurement; research and development; and global health surveillance):

  • The most common was technical assistance, which is both carried out directly and/or funded as a main function by nine of the 14 organizations. Several UN agencies – UNAIDS, UNICEF, UNFPA and WHO – and the GFF, RBM, and Stop TB directly provide TA support while the Global Fund and Gavi fund these same (and other) technical partners to provide TA in carrying out country-level supported activities.
  • Six organizations provide country financing directly or through intermediaries including Gavi, GFF, the Global Fund, the Pandemic Fund, IBRD, and IDA. There are generally two types of financing instruments (with blended options in some cases): grants (non-repayable), which are provided by Gavi, GFF, the Global Fund, Pandemic Fund, and IDA, and loans (concessional – loans offered at below market rates, and non-concessional – loans offered at standard market rates) provided by IBRD and IDA. All but one (IBRD) of these six organizations raises and pools resources that are in turn allocated to countries based on specific criteria (see more information below).    
  • Six organizations carry out market shaping – which includes a broad suite of activities to promote innovation, accelerate and scale-up new products such as strengthening regulatory institutions, supply chain activities, including pooled procurement, and market forecasting. These are: Gavi, the Global Fund, Stop TB via the Global Drug Facility (GDF), Unitaid, UNICEF and UNFPA. All but Unitaid operate pooled procurement37 mechanisms for a variety of health products (see Table 12), some of which have various arrangements between them to make products available. For example, Gavi procures most of its vaccines from UNICEF, and the Global Fund procures most TB products from GDF. GDF, UNICEF, and UNFPA health products are available to all countries, while Gavi and the Global Fund only allow current, and in some cases, formerly, eligible countries to access products. GDF, UNICEF, and UNFPA each offer pre-financing lines of credit to address liquidity and other constraints that can prevent countries from procuring commodities, and the Global Fund is planning to institute such an instrument.
  • Normative guidance is provided by four organizations, led by WHO but also including UNAIDS, UNICEF, and UNFPA, often in conjunction with the WHO. Guidance developed by the UN system is in turn used by the other institutions to guide and support their work, including informing the development of operational and programmatic guidance.
  • Similarly, global health surveillance and monitoring is also carried out by four organizations, all UN entities – WHO, UNAIDS, UNICEF, and UNFPA – and these data are in turn used by several of the other organizations in a variety of ways, including for developing operational and programmatic guidance, determining eligibility for funding and levels of support, and for measuring progress. The GFF has begun to move into this area, recently launching “FASTR” to provide “Rapid-Cycle Analytics for Data Use” as an alternative to in-person household and facility-based surveys, though not at the global level.38 Importantly, while Gavi and the Global Fund also fund efforts to strengthen data collection and surveillance at the country level, global health surveillance is not in and of itself a core modality.
  • Just one institution – CEPI – conducts R&D for health. It focuses on developing vaccines and countermeasures to address epidemic and pandemic threats. While R&D isn’t a major WHO function, it serves to coordinate R&D networks and efforts and provide technical resources. In addition, Unitaid carries out some aspects of late-stage R&D and other areas of research on a limited basis.
Table 11: Major Functional Modalities/Services 
OrganizationCountry FinancingNormative
Guidance
Technical
Assistance
Market Shaping/
Pooled Procurement
R&DGlobal Health SurveillanceTotal
CEPIX1
GaviX XX  3
GFFX X   2
Global FundX XX  3
Pandemic FundX     1
RBM  X   1
Stop TB  XX  2
Unitaid   X  1
UNAIDS XX  X3
UNFPA XXX X4
UNICEF XXX X4
WHO XX  X3
IBRDX     1
IDAX     1
TOTAL649614 
Note: Based on analysis of organizational documents.
Table 12: Pooled Procurement Products
OrganizationProducts
GaviVaccines against 20 diseases for routine vaccination, campaigns, outbreak response; associated devices/supplies; some diagnostics; global vaccine stockpiles for several outbreak-related vaccines.
Global FundHIV, TB, and malaria medicines for treatment and prevention; diagnostics; vector control; other essential medicines; associated devices/supplies.
Stop TB via GDFTB medicines and diagnostics; associated devices/supplies; “Strategic Rotating Stockpile” (SRS) for emergencies.
UNFPAReproductive health medicines; diagnostics; contraceptives; associated devices/supplies.
UNICEFVaccines; medicines; diagnostics; vector control; associated devices/supplies.
Note: Based on analysis of organizational documents.
Unitaid provides products to countries in select project work but does not operate as a procurement platform.

Civil Society and Key Populations

One notable difference across organizations is the extent to which they actively fund civil society organizations (CSOs) and/or focus efforts to reach key and vulnerable populations. In addition to including civil society in governance, a subset of organizations also includes specific funding streams or mechanisms to support CSO involvement in country-level programming and monitoring. Gavi, for example, as part of its “Civil Society and Community Engagement (CSCE)”, requires countries to allocate at least 10% of country cash budget funding ceilings39 to CSOs for implementation. The Global Fund was founded on a principle of partnership with CSOs and communities and, in addition to being part of CCMs, CSOs manage Global Fund grants as principal and sub-recipients; between 2017-2022, the Global Fund reports that CSOs managed $9.25 billion, or 30%, of country funding.40 In addition, the Global Fund supports community-led monitoring to assist with tracking program implementation and identifying access barriers.41 GFF also supports CSO and youth engagement including in developing country investment cases and working to advocate for increased financing for health priorities.42  Stop TB has a “Challenge Facility for Civil Society” (CFCS) which provides grants to CSOs to engage in national TB responses.43  In addition to these efforts, some organizations include a specific focus on reaching those most at risk, including populations that may not be served by country governments. This is particularly the case for the Global Fund which focuses on key and vulnerable populations affected by HIV, TB, and malaria to increase access to services.44  Several other organizations include key and vulnerable populations in their work, including Stop TB, RBM, and UNAIDS.

Country Eligibility and Funding Allocation

All six of the organizations that provide country financing (or financing institutions) use country income, and in some cases other criteria, for determining eligibility to receive funding (see Table 13). Gavi, the GFF, the Global Fund, the Pandemic Fund, IBRD, and IDA all use country income (the World Bank’s Atlas Method) for determining eligibility. Some use additional criteria, combined with income. For example, while all low- income and lower middle-income countries are eligible for Global Fund support for HIV, TB, and malaria, upper middle-income countries are only eligible if they meet additional requirements by disease. For the Pandemic Fund, while all IDA and IBRD countries were initially eligible, only countries that have not yet received support have been eligible for subsequent funding rounds.45  In addition, the most recent funding round added new eligibility criteria to focus on countries with the greatest capacity gaps, highest pandemic risks, and significant socioeconomic challenges. The GFF also uses other factors to determine eligibility, including risk of overall debt distress and epidemiological burden specific to maternal and child health. IBRD limits eligibility to middle-income countries as well as “creditworthy” low-income countries. The Global Fund and Gavi also use country income to determine the level of co-financing required and graduation timelines (see below).

Table 13: Country Eligibility Criteria Across Financing Institutions
OrganizationNumber of Eligible CountriesEligibility Criteria
Gavi56GNI per capita, as calculated by World Bank Atlas Method, with three phases scaled to income – initial self-financing, preparatory, and accelerated.
GFF56GNI per capita, as calculated by World Bank Atlas Method, and, for most recent strategic period, risk of overall debt distress and epidemiological burden specific to maternal and child health.
Global Fund123GNI per capita, as calculated by World Bank Atlas Method and disease burden. All LICs and LMICs eligible regardless of disease burden. UMICs eligible if they meet additional requirements by disease component and, for HIV, are on OECD DAC List of ODA recipients.
Pandemic Fund15GNI per capita, as calculated by World Bank Atlas Method (all IDA and IBRD countries initially eligible). Previous country recipients not eligible for subsequent rounds. For most recent round, additional criteria used to focus on countries with greatest capacity gaps, highest pandemic risk, and significant socioeconomic challenges.
IBRD86GNI per capita, as calculated by World Bank Atlas Method, and limited to middle-income countries and creditworthy low-income countries.
IDA78GNI per capita, as calculated by World Bank Atlas Method, set below IDA operational cut-off level, and only countries where financing not available from private sources on reasonable terms or via IBRD.
Note: Represents current or most recent eligibility.
Sources: See Appendix Table.

While the number of countries eligible for financing across these six organizations varies, a subset receives support from all or most of the six (see Tables 14-15 and Appendix Table). Based on current eligibility criteria, there are 148 countries that are eligible for funding across the six organizations. The Global Fund has the greatest number of eligible countries (123), followed by IBRD (86) and IDA (78). Fifty-six countries are eligible for Gavi and the GFF, respectively, while 15 are eligible for the Pandemic Fund’s most recent funding round.46 Across all six, there are 31 countries eligible to receive funding from four institutions, 20 from five institutions, and two from all six. All countries eligible for Gavi, the GFF, and the Pandemic Fund are also eligible for Global Fund support (for at least one disease component). GFF and Gavi overlap in 52 countries and Pandemic Fund eligible countries are also eligible for Gavi and GFF. Future changes to country eligibility, as more countries transition out of eligibility, will likely change this picture, potentially in significant ways (see graduation policy below).

Table 14: Number of Eligible Countries by Financing Institution
Organization# Countries Eligible% of Total
GFF5638%
Gavi5638%
Global Fund12383%
Pandemic Fund1510%
IBRD8658%
IDA7853%
Total Countries Reached148—
Note: Represents current or most recent eligibility.
 
Table 15: Pairwise Overlap Across Financing Institutions (# of Countries Eligible for Both)
 GFFGaviGlobal
Fund
Pandemic
Fund
IBRDIDA
GFF565256151452
Gavi525656151054
Global Fund5656123156376
Pandemic Fund15151515215
IBRD14106328619
IDA525476151978
Note: Represents current or most recent eligibility

Five of the six financing organizations also use specific methodologies to allocate funds to eligible countries, driven by limited grant resources (see Table 16). Three organizations – Gavi, the Global Fund, and the Pandemic Fund – use methodologies that channel funding to the lowest income and highest need countries, including recent modifications to do so even further. In the case of Gavi and the Global Fund, this approach, coupled with co-financing and graduation policies (described below), serves to drive funding to the countries with the greatest needs. The GFF does not specify an allocation formula, but bases funding decisions on country investment cases. IDA uses an index with multiple factors for allocating resources to countries.

Table 16: Country Funding Allocation Across Financing Institutions
OrganizationAllocation Formula/Methodology
Gavi47,48Gavi has a “Country Vaccine Budget” (CVB) which includes two components: (1) a guaranteed budget for specific vaccines and (2) a discretionary budget for other Gavi-eligible vaccines. The guaranteed vaccine budget is based on forecasted country demand. The discretionary budget is calculated based on a formula that includes under-five mortality inversely scaled to GNI per capita. There is also a separate cash budget for health and immunization strengthening which is based on three-year rolling averages of four indicators: GNI per capita and the number of children missing DTP1, DTP3, and MCV2. It assigns weighting of 50% to GNI per capita and 50% to the immunization performance indicators and adds a standard 10% multiplier for each country classified as fragile.
GFF49No formula. Eligible countries develop investment case or costed plan.
Global Fund50The Global Fund uses a multi-step process which starts with determining a “Global Disease Split” based on epidemiological factors to apportion funding to HIV, TB, and malaria. A formula is then used to determine country allocations measured by GNI per capita, weighting country disease component allocations according to a smooth curve where the value decreases as GNI per capita increases, and disease burden. These formula-derived amounts are then reviewed through a qualitative adjustment process to account for key epidemiological, programmatic and other country contextual factors that cannot be considered formulaically or are not fully represented in the allocation formula.
Pandemic Fund51The Pandemic Fund determines grant ceilings using a methodology that considers country PPR needs and capacity gaps, population size, GNI per capita, and enabling environment, and uses a “High Risk–High Need” metric to score countries. The metric is based on four main conceptual dimensions: Hazards, Vulnerability, PPR Capacity, and the Enabling Environment.
IDA52IDA uses a Resource Allocation Index (IRAI) based on the results of a “Country Policy and Institutional Assessment” (CPIA), which rates countries against a set of 16 criteria grouped in four clusters: (a) economic management; (b) structural policies; (c) policies for social inclusion and equity; and (d) public sector management and institutions.

Grant Cycles

The six financing organizations generally have different approaches to country-level grant or funding cycles, with minimal alignment. This is due primarily to two factors: different fundraising/replenishment periods and different types of funding instruments. Gavi uses a 5-year grant cycle, tied to its 5-year replenishment cycle. The Global Fund and Pandemic Fund also tie their grant cycles to their replenishment periods, but these are for 3-year periods. The GFF provides grants on a rolling basis, with different multi-year periods depending on the country investment case (typically three to five years) but also leverages this funding within broader IBRD and IDA financing instruments, which in turn operate differently.53,54 IDA grants are for different multi-year periods (generally, three to five years)55 while IDA credit and loan instruments and IBRD loans mature over much longer periods, including decades, depending on the instrument.56  

Scale of Country-Level Support

Among the financing institutions57, the level of financial support for health efforts in countries varies significantly (see Table 17). The Global Fund is largest followed by IDA, Gavi, IBRD and GFF (see Table). Of note, IDA and IBRD amounts listed below include funding leveraged by the GFF. The Pandemic Fund’s country financing is smallest among this group, though it is three times greater than the GFF’s grant component. More broadly, IBRD and IDA support, which is mostly provided in the form of loans (with just 24% of overall IDA financing provided as grants58) is also quite different in nature from the grant-making of the other institutions.

Table 17: Annual Health Funding to Countries (USD) by Financing Institution, 2025
Gavi$2.8 billion
GFF$1.1 billion: $147 million GFF grants
$980 million leveraged IDA/IBRD
Global Fund$4.0 billion
Pandemic Fund$462 million
IBRD$1.9 billion
IDA$4.5 billion
Note: Represents most recent year available. Gavi and the Global Fund represent disbursements. GFF represents disbursements and includes leveraged resources, primarily through IDA. IDA and IBRD represent commitments. Pandemic Fund estimate is based on the annual average across the first three funding rounds (“Call for Proposals” or CfP1-CfP3).
Sources: See Appendix Table.

Graduation Policies

Gavi, the Global Fund, and IDA each have formal graduation policies59 after which countries are generally no longer eligible for support, although several others have transitioned countries from support. Such policies are increasingly used as resources tighten and organizations move to channel limited resources to those most in need and promote sustainable programs in others. The criteria used are largely defined by income level, although other factors may be used, and the approaches generally span several years (so countries don’t face an unexpected funding cliff).

  • For Gavi, once a country has been in its last phase of eligibility (the accelerated transition phase) for eight years, it is no longer eligible for Gavi support. To date, 19 countries have graduated from Gavi support, two of which recently re-gained Gavi-eligibility. Seven countries are currently in the last phase of eligibility.
  • For the Global Fund, once a country reaches upper middle-income status, it is no longer eligible for funding if it does not meet any disease component requirements. At this point, it may receive one additional allocation of transition funding (three years) for that component. To date, 52 disease components across 38 countries have transitioned from eligibility, and in the current grant cycle (GC7), 12 disease components from eight countries are transitioning.60 At the end of the next grant cycle (GC8), 35 countries (as well as several others that receive funding through multi-country grants) will transition from country allocations.61
  • For IDA, once a country reaches an IDA-defined operational cut-off level, there are three phases of graduation to IBRD-only financing which also include assessments of creditworthiness.
  • For IBRD, a graduation threshold is based on income, at which point, other factors may be considered for determining whether eligibility could continue.
  • While the GFF does not have a specific graduation policy, countries have been “phased out” of funding eligibility due to their progress in meeting health milestones. As mentioned above, subsequent funding rounds of the Pandemic Fund have not been open to countries that have already received support.

Co-Financing Policies

Gavi and the Global Fund are unique in requiring country co-financing as a condition of receipt of financial support, although other institutions encourage, incentivize, or otherwise have mechanisms to support country co-financing. Both Gavi and the Global Fund have had long-standing co-financing requirements which are scaled based on country income capacity (with waivers allowed in exceptional circumstances):

  • For Gavi, countries are required to share in the cost of vaccine procurement for routine vaccination (and for use in one-time immunization campaigns and periodic follow-up campaigns).  The amount of co-financing varies by country income and transition status from Gavi eligibility with countries required to provide a portion of the cost of each vaccine dose, working towards 100% country-financed.
  • For the Global Fund, all countries are required to co-finance their grants with variation by country income level. For example, low income and lower middle-income countries are required to demonstrate progressive government expenditure on health, while upper middle-income countries are required to focus 100% of their co-financing on specific sustainability and transition priorities. All must progressively co-finance the costs of key programmatic interventions and of national HIV, TB, and malaria responses and/or health systems strengthening though the size of the increase is scaled by country income.
  • Several other institutions include co-financing as a strategic objective. For example, the Pandemic Fund has an overall goal of achieving a portfolio-wide leverage ratio of 1:4 – for every US$1 provided by the Pandemic Fund, US$4 is mobilized from country sources and applications for support are scored in part on a country’s co-financing commitment. The GFF supports country health financing reform, including country efforts to enable and incentivize increased domestic investments in health. UNFPA, through its Supplies Partnership has a co-financing “matching fund” model for a subset of 54 countries whereby for every dollar a government spends on reproductive health commodities (whether purchased from UNFPA or another procurement entity), UNFPA matches with $2 from the UNFPA Supplies Partnership.62 The 54 countries eligible for this are chosen based on their GNI per capita, modern contraceptive prevalence rate (mCPR), and maternal mortality rate (MMR). UNICEF Supplies also has similar matching programs, including its “Maternal, Newborn, and Child Health Match Fund” that matches 1:1 for every dollar a government spends on commodities.63

Multidimensional Analysis

Finally, analysis across multiple dimensions provides a more nuanced picture of the role of each organization in the global health ecosystem. While an examination of organizations within a discreet area, such as health focus, functional modality, or country eligibility, yields important comparative information, a fuller examination across two or more of these variables provides a more comprehensive and nuanced look at where organizations might overlap or play more distinct roles. For example, when viewed this way:

  • The overlap between organizations is reduced and in some cases quite limited. For example, the organizations with a core focus on HIV do so from relatively distinct vantage points – Unitaid focuses on upstream product innovation and introduction, the Global Fund focuses on downstream scale up as the main funder of programs and services, including commodities, and UNAIDS and WHO provide guidance, TA, and global surveillance data to support their efforts. For malaria, Unitaid similarly focuses on upstream product innovation and introduction, the Global Fund on downstream service scale up for treatment, prevention, and diagnosis, Gavi on the malaria vaccine, and RBM and WHO provide guidance, TA, and data. For GHS/PPR, CEPI focuses on R&D, particularly at earlier stages, Unitaid picks up innovation and introduction, Gavi maintains the stockpile for outbreaks, and the Pandemic Fund funds countries to prepare and strengthen systems. In several cases, there is only one organization providing dedicated country financing for a particular health area or product, including Gavi for vaccines, GFF for MCH and FP/RH, and the Global Fund for HIV, TB, and malaria.
  • This is less clear, however, for HSS, the most common health focus area across organizations. While each addresses HSS through its own lens (e.g., Gavi is focused on strengthening immunization infrastructure, the Global Fund on strengthening HIV, TB, and malaria systems, GFF on strengthening systems to delivery MCH programs and services, and WHO on providing coordination and support), many of the supported HSS activities are similar, such as health workforce, facilities, supply chains, financing reform.
  • Among the six financing organizations, there is significant overlap in countries reached, although the scale of financing and its focus vary significantly. For example, the Global Fund is the only one of the six providing financing specifically for HIV, TB, and malaria treatment and prevention, and Gavi is the only one of the six providing vaccines. But both organizations also support HSS in many of the same countries, as do several of the other financing organizations.  

This analysis can help to identify areas for potential coordination and cooperation, as well as comparative advantage, and point to where additional information may be useful. Broad themes and observations include the following:

  1. Organizational and governance models vary significantly, with implications for stakeholder representation that are particularly salient for civil society. Among the 14 institutions, there is a range of organizational and governance models, with a fundamental distinction between public-private partnerships and member-state entities in their models, approaches, and governance. This is most notable in their level of formal stakeholder representation and decision-making powers, with the public-private partnerships including multiple stakeholders while member-state organizations only including sovereign nations. This is particularly salient for formal civil society voting participation, which is a feature of the public-private partnerships but absent from member-state organizations.
  2. The 14 organizations address a range of health issues as a core part of what they do, with the most common being health systems strengthening. After HSS, the next most common areas are GHS/PPR and maternal and child health, with less concentrated focus on disease-specific issues, and the least focus on FP/RH. As such, HSS may offer an opportunity for further collaboration and exploration, some of which is already underway, including among Gavi, GFF, and the Global Fund64 as well as between Gavi and the Global Fund.65
  3. The functional modalities used – how each organization addresses health – vary as well, with the most common being technical assistance followed by country financing and market shaping.  Further assessment could identify opportunities for collaboration or streamlining across functional modalities. For example, market shaping activities are carried out by six organizations, including five which operate pooled procurement. These five are already interdependent in some ways, and additional exploration – such as the extent to which they could coordinate on strengthening regional and country level procurement and supply chain systems – could identify areas of synergy.  
  4. Fundraising approaches and cycles are generally not aligned, which may have benefits as well as challenges.  Most of the organizations included have different approaches to fundraising, including replenishment conferences and/or other investment opportunities, usually operating on different timelines. On the one hand, this may afford each organization the opportunity to draw focused attention to its efforts. On the other, donors may be faced with multiple successive investment opportunities at times when resources are tight.
  5. As a result, for the subset of organizations that provide country financing, funding cycles are also not aligned. Instead, these periods are generally tied to organizational fundraising cycles – or in some cases, the type of financing instrument provided– presenting countries with multiple different grant and other financing periods which in and of itself could contribute to inefficiency and administrative burden.  
  6. Multiple graduation policies and co-financing requirements, used to incentivize domestic spending and program transitions, could present countries with unanticipated or undue burden, at least in the short term. As resources tighten, and organizations are faced with the need to channel limited resources to the lowest income, highest need countries, an increasing number of countries are finding themselves on a glidepath to transition, including from more than one organization included in this analysis as well as other donors. As such, even countries with rising income may find themselves facing significant financial burden and challenges in taking over more of their health responses. How international organizations and others coordinate in this area could have significant implications for program sustainability.
  7. Finally, while examination within any one variable (such as health focus area, functional modality, or country eligibility criteria) yields important comparative information, a deeper dive across two or more would provide a more comprehensive and nuanced picture of the role of each organization in the global health ecosystem. When viewed this way, the overlap between organizations is reduced and in some cases quite limited, such as for HIV, where the four organizations with an HIV focus do so from relatively distinct vantage points, with the Global Fund being the only one providing dedicated country financing. Similarly for FP/RH and vaccines, only one organization provides dedicated country financing (GFF for FP/RH and Gavi for vaccines). At the same time, as mentioned above, most organizations are focusing on HSS, there are several organizations engaged in market shaping, and many organizations are carrying out technical assistance activities, sometimes in the same set of countries.  

Jen Kates currently serves on the board of the Global Fund to Fight AIDS, Tuberculosis and Malaria.

Fourteen international organizations were chosen for inclusion in this analysis: the Coalition for Epidemic Preparedness (CEPI); Gavi, the Vaccine Alliance (Gavi); the Global Finance Facility (GFF); the Global Fund to Fight AIDS, Tuberculosis and Malaria (Global Fund); the Pandemic Fund; RBM Partnership (RBM); Stop TB Partnership (Stop TB); Unitaid; the Joint United Nations Programme on HIV/AIDS (UNAIDS); the United Nations Population Fund (UNFPA); the United Nations Children’s Fund (UNICEF); the World Health Organization (WHO); the World Bank, International Bank for Reconstruction and Development (IBRD); and the World Bank, International Development (IDA). These organizations were included because they represent the main health-specific international organizations operating today or are international organizations that include health in their broader mandates or activities. All of these organizations were included in a recent Accra Reset paper. Eleven were included in either the Reimagining the Future of Global Health Initiatives report commissioned by the Wellcome Trust or the World Health Organization’s effort to re-examine the global health architecture. Still, this list is not meant to be exhaustive and does not include all international organizations working in global health, donor government development agencies, philanthropic organizations, domestic governments, and regional development banks, among others.

A key set of analytic domains was identified for analysis:

  1. Organizational classification (type of organization);
  2. Mission;
  3. Health as primary focus (whether health was primary focus of organization’s work or part or a larger mandate);
  4. Governance model (including board representation, decision-making, and voting procedures);
  5. Funding model (voluntary and/or assessed contributions or other sources; fundraising process);
  6. Operational model (whether organization has country or regional operations);
  7. Health focus areas (which areas of health are core to the organization’s mission or strategic objectives);
  8. Functional modalities/services (the main ways in which health work is carried out);
  9. Countries reached (for those organizations that provide country financing: eligibility criteria, allocation methodologies, geographic scope and overlap, grant cycles, graduation and co-financing policies).

To populate the indicators within each domain, a review of official organizational documents (governance documents, by-laws, charters, annual reports, strategic plans, financial statements, etc) was conducted, as was outreach to organizations as needed. 

Seven health areas were included for assessment: HIV, tuberculosis (TB), malaria, maternal and child health (MCH), family planning/reproductive health (FP/RH), health systems strengthening (HSS), and global health security/pandemic preparedness and response (GHS/PPR). Several of these health areas are overlapping and reinforcing – for example, efforts to strengthen health systems can feed into and bolster GHS/PPR and vice versa, and addressing malaria is a key component of improving child health. This list is not meant to be exhaustive, but, rather, to reflect the main health challenges that disproportionately face low- and middle-income countries; as such, these seven areas are captured by more than half of the Sustainable Development Goal 3 (SDG 3) targets on good health and well-being. For each, official organizational documents were reviewed to assess whether a particular health area was a core focus or, instead, something they may contribute or provide support to. For purposes of this analysis, the WHO, as the global health organization, was considered to have a core focus on all the areas measured, as they are part of its broad mandate.

Six functional modalities/services were included for assessment: country financing; normative guidance; technical assistance; market shaping/pooled procurement; research and development; and global health surveillance. These modalities were also identified in the Reimagining the Future of Global Health Initiatives report, as well as other initiatives. As with health areas, official documents were reviewed to assess whether it was a main modality of the organization.

The Appendix Table is available to read in full via PDF (download).

  1. Reform efforts and processes include: The Future of Global Health Initiatives/Lusaka Agenda, https://futureofghis.org/; The Accra Reset, https://accrareset.org/; WHO Global Health Architecture Joint Reform Process, https://www.who.int/about/governance/global-health-architecture; Wellcome Trust, https://wellcome.org/insights/reports/rethinking-reform-way-forward-global-health-system?utm_source=linkedin&utm_medium=o-wellcome; EU and Like-minded Donors’ Reflection Process on Reform of the Global Health Architecture, https://www.hera.eu/news/hisp-report-reflection-process-reform-global-health-architecture; The MOPAN Study on the Comparative Advantage in the Multilateral Health Ecosystem, https://www.mopan.org/en/our-work/performance-insights/comparative-advantage-in-the-multilateral-global-health-ecosystem.html; and HEAR CSO, https://hearcso.org/. There have also been several analytic pieces on this subject, including: SSRN: https://ssrn.com/abstract=6753079. ↩︎
  2. In addition to reform efforts, there have been several analytic pieces on this subject. See, for example: Witter, S., Palmer, N., Jouhaud, R. et al. Understanding the political economy of reforming global health initiatives – insights from global and country levels. Global Health 21, 40 (2025). https://doi.org/10.1186/s12992-025-01129-0; Grude, Sine and Pohl, Marionka and Musasizi, Joshua and Jackson Zikanga, Bernard and Foley, Brendan and Atuhaire, Roderick and Atuhairwe, Irene and Kerry, Vanessa Bradford, Navigating Global Health Architecture Reform Efforts – Between Reform and Fragmentation (May 12, 2026). http://dx.doi.org/10.2139/ssrn.6753079. Nishtar S, Global health leap: an urgent call to action, The Lancet, 2026; 407, 820-824. Mwisongo A, Nabyonga-Orem J. Global health initiatives in Africa – governance, priorities, harmonisation and alignment. BMC Health Serv Res. 2016 Jul 18;16 Suppl 4(Suppl 4):212. doi: 10.1186/s12913-016-1448-9. PMID: 27454542; PMCID: PMC4959383. ↩︎
  3. MOPAN, Comparative Advantage in the Multilateral Health Ecosystem, https://www.mopan.org/en/our-work/performance-insights/comparative-advantage-in-the-multilateral-global-health-ecosystem.html. ↩︎
  4. IDA and IBRD are technically specialized agencies of the United Nations but are still independent entities. See, Agreement Between the United Nations and The International Bank for Reconstruction and Development, 1947 and Agreement between the United Nations and the International Development Association, 1960. ↩︎
  5.  Hosted partnerships are housed at another organization which provides varying levels of operational support. ↩︎
  6. World Bank Group, “Guidance: Governance in World Bank Trust Funds”, https://thedocs.worldbank.org/en/doc/f75ed72705f93add074bcf2d729e4a82-0060072022/original/Governance-in-Trust-Funds.pdf. ↩︎
  7. Pandemic Fund, Governance Framework, as amended, December 2025, https://www.thepandemicfund.org/sites/default/files/2026-02/Governance%20Framework.pdf. ↩︎
  8. UNOPS, Hosted Partnerships, https://www.unops.org/hosted-partnerships. ↩︎
  9. Unitaid, Constitution, July 2011, https://unitaid.org/uploads/EB14-R08-Unitaid-constitution.pdf. ↩︎
  10. World Bank Group Annual Report 2025, https://www.worldbank.org/en/about/annual-report#anchor-annual. ↩︎
  11. World Bank Group, Voting Powers, https://www.worldbank.org/en/about/leadership/votingpowers. ↩︎
  12. The Global Fund to Fight AIDS, Tuberculosis and Malaria, Constituency Funding Policy, December 2016, https://www.theglobalfund.org/media/2939/core_boardconstituencyfunding_policy_en.pdf. ↩︎
  13. Unitaid, Board Operating Procedures, November 2019, https://unitaid.org/uploads/UNITAID_EB33_2019_8_Board-Operating-Procedures-Revised-21-November-2019-Adopted.pdf. ↩︎
  14. Stop TB Partnership, Board Governance Manual, July 2023, https://www.stoptb.org/sites/default/files/documents/March%202025%20STBP%20Board%20Governance%20Manual.pdf. ↩︎
  15. These are set amounts expected to be paid by member-state governments, scaled by income and population. ↩︎
  16. The Global Fund to Fight AIDS, Tuberculosis and Malaria, Partner Profiles, (RED), https://www.theglobalfund.org/en/private-sector-and-philanthropy/profiles/red/; (RED), https://www.red.org. ↩︎
  17. Unitaid, Press Release, “Unitaid welcomes new air levy coalition, building on its legacy of successful innovative health financing”, July 2025, https://unitaid.org/news-blog/unitaid-welcomes-new-air-levy-coalition-building-on-its-legacy-of-successful-innovative-health-financing/. ↩︎
  18. KFF analysis of data from the GFF, available at: https://www.globalfinancingfacility.org/partnership/donors (accessed July 2026). ↩︎
  19. KFF analysis of data from the Global Fund to Fight AIDS, Tuberculosis and Malaria, available at: https://www.theglobalfund.org/en/government/ (accessed July 2026). ↩︎
  20. KFF analysis of data from the Pandemic Fund, available at: https://www.thepandemicfund.org/contributors (accessed July 2026). ↩︎
  21. Some, such as Gavi and CEPI, have administrative offices in other locations primarily to facilitate interactions with donor governments. ↩︎
  22. The World Bank Group, GFF, Transform 2030: Transforming Health Systems, Saving Lives, Strategy, 2026-2030, December 2025, https://www.globalfinancingfacility.org/sites/default/files/GFF-Strategy-2026-2030/GFF-Strategy-2026-2030-Final-Edition-ENG-04Dec2025.pdf. ↩︎
  23.  In addition to CCMs, there may also be Regional Coordinating Mechanisms (RCMs), and in certain cases, non-CCMs and Regional Organizations (RO). See, The Global Fund to Fight AIDS, Tuberculosis and Malaria, Country Coordinating Mechanism Policy Including Principles and Requirements, May 2018,   https://www.theglobalfund.org/media/7421/ccm_countrycoordinatingmechanism_policy_en.pdf. ↩︎
  24. The World Health Organization defines HSS as “initiatives and strategies that improve one or more of the functions of the health system and that leads to better health through improvements in access, coverage, quality, or efficiency, ensuring it can address health threats. A well-functioning health system is built on having trained and motivated health workers, a well-maintained infrastructure, and a reliable supply of medicines and technologies, appropriate service delivery approaches, backed by adequate funding, all these articulated in strong health plans and evidence-based policies.” See, https://www.afro.who.int/health-topics/health-systems-strengthening. ↩︎
  25. See, for example, Unitaid, Press Release, “Unitaid launches investment package to accelerate access to promising Bundibugyo Ebola diagnostics and medicines”, July 2026, https://unitaid.org/news-blog/unitaid-launches-investment-package-to-accelerate-access-to-promising-bundibugyo-ebola-diagnostics-and-medicines/. ↩︎
  26. WHO, Global health emergencies, https://www.who.int/emergencies/overview. ↩︎
  27. Gavi, Health Systems and Immunisation Strengthening Policy, January 2023,  https://www.gavi.org/sites/default/files/about/governance/corporate-policies/07-Gavi-Health-Systems-and-Immunisation-Strengthening-Policy.pdf. ↩︎
  28. GFF, Resilient Health Systems, https://www.globalfinancingfacility.org/focus-areas/resilient-health-systems. ↩︎
  29. The Global Fund to Fight AIDS, Tuberculosis and Malaria, Resilient and Sustainable Health and Community Systems, https://www.theglobalfund.org/en/resilient-sustainable-systems-for-health/. ↩︎
  30. The Pandemic Fund, Strategic Plan (2024-2029), May 2024, https://www.thepandemicfund.org/sites/default/files/2025-12/Pandemic%20Fund%20Strategic%20Plan_12-15-25_0.pdf. ↩︎
  31. Unitaid, Strategy, 2023-2027, https://unitaid.org/uploads/Unitaid_Strategy_2023-2027.pdf. ↩︎
  32. UNFPA, The UNFPA Supplies Partnership, https://www.unfpa.org/unfpa-supplies-partnership. ↩︎
  33. UNICEF, About Us, https://www.unicef.org/supply/about-us. ↩︎
  34. WHO, Health Systems Governance, https://www.who.int/health-topics/health-systems-governance#tab=tab_2. ↩︎
  35. The World Bank Group, Health Works, https://www.worldbank.org/ext/en/health-works. ↩︎
  36. The World Bank Group, Health Works, https://www.worldbank.org/ext/en/health-works. ↩︎
  37. Pooled procurement refers to the consolidation of demand across multiple buyers with the goal of obtaining lower prices, reduced transaction and administrative costs, streamlined quality assurance, and more predictable markets, to help improve better access. See, KFF, The America First Global Health Strategy and Pooled Procurement, January 2026,https://www.kff.org/global-health-policy/the-america-first-global-health-strategy-and-pooled-procurement/. ↩︎
  38. GFF, FASTR, The GFF’s Initiative for Rapid Cycle Analytics and Data Use, https://data.gffportal.org/key-themes/FASTR. ↩︎
  39. From combined HSS, Equity Accelerator Fund (EAF) and Targeted Country Assistance (TCA) ceiling funding amounts. See: Gavi, CSO Engagement Strategy, https://www.gavi.org/about-us/our-partners/civil-society#engagement.  ↩︎
  40. The Global Fund to Fight AIDS, Tuberculosis and Malaria, Civil Society, https://www.theglobalfund.org/en/civil-society/ and The Global Fund’s Funding for Community and Civil Society Organizations, An Analysis of Grant Cycle 5 and Grant Cycle 6, July 2024, https://www.theglobalfund.org/media/14830/cs_funding-community-civil-society-organizations_report_en.pdf. ↩︎
  41. The Global Fund to Fight AIDS, Tuberculosis and Malaria, Community Responses and Systems, https://www.theglobalfund.org/en/community-responses-and-systems/. ↩︎
  42. GFF, CSOs and Youth, https://www.globalfinancingfacility.org/partnership/csos-youth. ↩︎
  43. Stop TB Partnership, Challenge Facility for Civil Society, https://www.stoptb.org/what-we-do/supporting-communities-overcome-access-barriers/funding-people-affected-tb-and-local-communities. ↩︎
  44. For HIV, key populations include men who have sex with men, trans and gender diverse people, sex workers, people who use and/or inject drugs, people living with HIV, people in prison and other closed settings. For TB, key populations include prisoners and incarcerated populations, people living with HIV, migrants, refugees, miners and indigenous populations. For malaria, these include refugees, migrants, pregnant women, children under 5, internally displaced people and indigenous populations in malaria-endemic areas. Vulnerable populations include adolescent girls and young women, people with disabilities, and others with increased vulnerabilities in particular contexts. See: The Global Fund to Fight AIDS, Tuberculosis and Malaria, Key Populations, https://www.theglobalfund.org/en/key-populations/. ↩︎
  45. The Pandemic Fund, Call for Proposals, https://www.thepandemicfund.org/call-for-proposals ↩︎
  46. More countries have been reached by organizations over time. For example, while 15 countries were eligible for funding through the Pandemic Fund’s most recently funding round, 128 countries have been funded to date. ↩︎
  47. Gavi, 6.0 Funding Guidelines, April 2026, https://www.gavi.org/sites/default/files/support/guidelines-2026/gavi-60-funding-guidelines-annexes.pdf. ↩︎
  48. Gavi, Review of Decisions, Board Meeting, December 2024, https://www.gavi.org/sites/default/files/board/minutes/2024/4-5-december/Board-2024-Mtg-03-Review%20of%20Decisions.pdf. ↩︎
  49. GFF, What is the Process for Accessing the GFF Trust Fund?, https://www.globalfinancingfacility.org/what-process-accessing-gff-trust-fund. ↩︎
  50. The Global Fund to Fight AIDS, Tuberculosis and Malaria, Allocation Methodology For Grant Cycle 8, 52nd Board Meeting, November 2024, https://archive.theglobalfund.org/media/15310/archive_bm52-08b-allocation-methodology-gc8_report_en.pdf. ↩︎
  51. The Pandemic Fund, Guidance Note For Applicants of the Fourth Call to Proposals, April 1, 2026, https://www.thepandemicfund.org/sites/default/files/2026-04/4th%20CfP_Guidance%20Note.pdf; The Pandemic Fund, Risk-Need Metric and Methodology, January 2026, https://www.thepandemicfund.org/sites/default/files/2026-02/PF_Risk-Need%20Methodology%20Final%20Report%20-%20Final%20Jan22_0.pdf. ↩︎
  52. The World Bank Group, IDA Resource Allocation Index (IRAI), June 2026, https://ida.worldbank.org/en/financing/resource-management/ida-resource-allocation-index. ↩︎
  53. For example, Senegal’s investment case, which form the basis of grant requests, is for the 2024-2030 period, Kenya is for 2025/2026-2029/2030, and the Central African Republic is for 2024-2026. See, The GFF,  https://www.globalfinancingfacility.org/resources?keys=&knowledge_model%5B112%5D=112&viewsreference%5Bcompressed%5D=eJxdj8EKAyEMRP8lZw_t1V8pRVJMbUBT0XTLsuy_N-JB6CEkM_PmkAMiKoK_3R2Q4CNTDJ1UWVIHfwC29CkkCn6dDpQ1k1lznw4qNkuCDesedK8jNRNTw_qCf4CjxddlP5lyDIJl1KbYmL4LaLRx57es5qRYqYRIebxwOX9caEjN. ↩︎
  54. GFF, Guidance Note, Investment Cases, https://www.globalfinancingfacility.org/resource/guidance-note-investment-cases.   ↩︎
  55. The World Bank Group, Projects Database, https://projects.worldbank.org/en/projects-operations/projects-list?prodline_exact=PE&projectfinancialtype_exact=Grants&os=0&sector_exact=FY17%20-%20Health. ↩︎
  56. The World Bank Group, IDA Financial Products, https://treasury.worldbank.org/en/about/unit/treasury/ida-financial-products; The World Bank Group, IDA Lending Terms, https://ida.worldbank.org/en/financing/ida-lending-terms; The World Bank Group, IBRD Financial Products, https://treasury.worldbank.org/en/about/unit/treasury/ibrd-financial-products/financial-products-faqs. ↩︎
  57. It is important to note that several other institutions included in this analysis (UNAIDS, UNICEF, UNFPA, and WHO) report some level of official development assistance to the OECD DAC. However, because they are not financing institutions, as defined in this analysis, they were not included in this section. ↩︎
  58. The World Bank Group, IDA Financing, https://ida.worldbank.org/en/financing. ↩︎
  59. Also see, KFF, Future Reform of PEPFAR: Exploring the Use of a Graduation Policy, April 2025, https://www.kff.org/global-health-policy/future-reform-of-pepfar-exploring-the-use-of-a-graduation-policy. ↩︎
  60. The Global Fund to Fight AIDS, Tuberculosis and Malaria, Sustainability, Transition and Co-Financing,https://www.theglobalfund.org/en/sustainability-transition-and-co-financing. ↩︎
  61. The Global Fund to Fight AIDS, Tuberculosis and Malaria, Transition Timelines, April 2026, The Global Fund to Fight AIDS, Tuberculosis and Malaria, https://www.theglobalfund.org/media/hvkncr4j/cr_gc8-transition-timelines_list_en.pdf; Eligibility, Allocations & Funding,https://archive.theglobalfund.org/en/eligibility-allocations/. ↩︎
  62. UNFPA, Annual Report, 2025, https://www.unfpa.org/sites/default/files/pub-pdf/UNFPA%20Supplies%20Partnership%20Annual%20Report%202025_30June2026_Final.pdf. ↩︎
  63. UNICEF, Supply Strategy, 2026-2029, https://www.unicef.org/supply/media/24836/file/UNICEF-Supply-Strategy-2026-2029.pdf. ↩︎
  64. GFF, GFF, Gavi and Global Fund Collaboration, Investors Group Meeting, November 2025, https://www.globalfinancingfacility.org/sites/default/files/IG21/GFF-IG21-4-EN-3-GHI-Collaboration.pdf. ↩︎
  65. The Global Fund to Fight AIDS, Tuberculosis and Malaria, Gavi-Global Fund Collaboration Update 54th Board Meeting, February 2026, https://archive.theglobalfund.org/media/2ojoitpc/archive_bm54-10-gavi-global-fund-collaboration_update_en.pdf. ↩︎

Are Health Insurers to Blame for Our Health System Problems? 

A Video Series from KFF

Published: Sep 10, 2026

Political leaders on both sides point fingers at health insurers for high costs and patient frustrations. How much blame do insurers, in fact, deserve for our health system’s problems?

This three-part video series from KFF considers this question and the complicated answer, exploring what’s driving rising insurance premiums, whether insurers provide value, and who we trust to decide what gets covered and at what price.

Drawing on KFF analysis and polling, the videos build on a JAMA Forum article by Larry Levitt, Executive Vice President for Health Policy: Are Health Insurance Companies the Reason for Our Health System’s Ills?


Watch and share the full series. Available on YouTube. 

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When citing us, please note our legal name is KFF. We should be cited as KFF, a nonprofit health policy research, polling, and news organization. Our name is no longer the Kaiser Family Foundation. More about KFF citations and permissions. 

The videos were scripted and produced by KFF. Visuals and graphics were developed using Adobe Creative Cloud with assistance from AI tools and refined by a graphic designer. Additional content: C-SPAN.

Total Run Time: 2:28

Total Run Time: 2:28

What’s Driving Rising Health Premiums?

Narrated by:

Published:

Costly health insurance premiums are straining employers and consumers alike. But, it’s underlying health care spending, especially for hospital care, that’s driving costs. 

KFF’s Larry Levitt looks at how hospital consolidation and employer demands for broad networks affect insurers’ ability, and willingness, to control prices.


Watch and share the full series. Available on YouTube. 

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For collaboration or to request direct video downloads (vertical and horizontal formats) and carousel graphics, email us at outreach@kff.org

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The videos were scripted and produced by KFF. Visuals and graphics were developed using Adobe Creative Cloud with assistance from AI tools and refined by a graphic designer. Additional content: C-SPAN.


Video Transcript

Narrated by Larry Levitt, KFF Executive Vice President for Health Policy

Are insurers at the root of our health system’s problems? The answer is complicated. And the politics are contentious with leaders from both parties pointing fingers at health insurance companies.

President Trump has claimed that the Patient Protection and Affordable Care Act “enabled large insurance companies to get rich” and that he wants, to quote, “stop all payments to big insurance companies and instead give that money directly to the people, so they can buy their own health care.”

Meanwhile, prominent Senate Democrats released their goals for changes to the health care system, pledging, to quote, “develop policies that lower costs,” “make it simpler to get and use insurance,” and “rein in shameless profiteering by corporate insurance companies.”

So, how much blame do insurers deserve for high health care costs and patient frustrations?

Prior authorization, claim denials, and narrow provider networks are ways insurers keep costs down, but they also impact patient care. Insurers add administrative overhead to premiums as well.

But, the fact of the matter is, it’s high underlying health care costs – for hospital care, physician and clinical services, retail prescription drugs, and other health expenditures – that are the biggest driver of increasing insurance premiums. 

Insurers pass those costs along or risk declining profits and ultimately insolvency.

U.S. health spending has risen sharply over the years, reaching $5.3 trillion in 2024. 

Hospitals account for the largest share of national health spending, and they’ve driven 40 percent of the growth in recent years. Costs for physician services and retail prescription drugs are also growing, though they represent a smaller share.

Insurers point to hospital consolidation as driving up prices. And they have a point. In 2024, just one or two health systems controlled all of inpatient hospital care in nearly half of U.S. metro areas.

To be fair, it is not insurers alone that have failed to push back against hospital prices. Employers want broad networks of hospitals and physicians and that blunts the main leverage insurers have to limit prices. 

It’s a dynamic that leaves costs high and accountability diffuse.

But, if insurers are largely passing on health care costs to employers and consumers, it raises the question of what value are they really providing?

Total Run Time: 2:09

Total Run Time: 2:09

What Do We Get for the Cut Health Insurers Take?

Narrated by:

Published:

Insurers take a cut of every premium dollar for overhead and profit. The question isn’t just whether they profit, but also whether we’re getting value in return.

KFF’s Larry Levitt breaks down how much goes to administrative costs and profit and how that varies across private insurance markets and Medicare, and considers what a Medicare-for-all system, which would be operated by the government, would address and what might be left unresolved. 


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The videos were scripted and produced by KFF. Visuals and graphics were developed using Adobe Creative Cloud with assistance from AI tools and refined by a graphic designer. Additional content: C-SPAN.


Video Transcript

Narrated by Larry Levitt, KFF Executive Vice President for Health Policy

Insurers take a cut of every premium dollar. The question isn’t whether they profit, it’s what value we’re getting in return.

Insurers siphon off premium dollars for overhead and profit, averaging annually $846 per enrollee in the employer market, $987 in the individual insurance market, and $1,655 in Medicare Advantage.

Setting aside administrative costs, profit margins of health insurers are on paper generally modest. Typically, no more than a few percent of premium revenues. But a few percentages of a very large number is still a very large number.

The seven largest publicly-held health insurance companies pulled in an estimated $71 billion in profits in 2024, including subsidiaries, like pharmacy benefit managers.

How that money flows looks different depending on the program.

In Medicare Advantage – the private insurance option now covering over half of beneficiaries – about 90 cents of every premium dollar goes toward health care, while the remaining 10 cents goes to overhead and profit. 

By contrast, less than two cents of every Medicare dollar goes to administering traditional Medicare. And as a public program, there is no profit. 

The difference? Traditional Medicare is administered by the government rather than private insurance companies. 

And in traditional Medicare the government sets prices for hospitals and doctors directly rather than negotiating them through private insurers.

Taking health insurance companies out of the equation – for example, under a Medicare for All system operated by the government – would reduce administrative costs and profits. But the biggest drivers of health spending growth – hospital prices, care that is not always grounded in evidence, and new drugs and medical technologies – would remain and have to be dealt with somehow.

We started by asking what value insurers provide for their cut. But the real question may be, who do we trust to decide what health care gets covered and how much gets paid? 

MORE HEALTH POLICY VIDEOS

Series

Health in the 2026 Midterm Elections

This research is part of KFF’s Health in the Midterms series, a collection of policy research, polling and news from across KFF about election-related health care issues.


CONTACT

Ann DeFabio

Senior Vice President and Chief Communications Officer

annd@kff.org

Total Run Time: 2:07

Total Run Time: 2:07

Who Do We Trust to Decide What Health Care Gets Covered, and at What Price?

Narrated by:

Published:

Deciding what health care gets covered largely falls to health insurers, and it’s not a role that wins them many fans. A KFF poll finds prior authorization is the single biggest burden insured adults say they face beyond cost. 

KFF’s Larry Levitt weighs insurers’ role as a check on care that lacks medical evidence against the impact that delays and denials have on patient care and health care providers. 


Watch and share the full series. Available on YouTube. 

KFF encourages linking to and reposting of our content on social media and other digital platforms.

Choose a video from our YouTube channel, click the Share button, select Embed, and copy the generated <iframe> code. Paste this HTML code directly into your websites editor or source code.

For collaboration or to request direct video downloads (vertical and horizontal formats) and carousel graphics, email us at outreach@kff.org

Subscribe to the KFF YouTube Channel. Stay connected with KFF on other social platforms. 

When citing us, please note our legal name is KFF. We should be cited as KFF, a nonprofit health policy research, polling, and news organization. Our name is no longer the Kaiser Family Foundation. More about KFF citations and permissions. 

The videos were scripted and produced by KFF. Visuals and graphics were developed using Adobe Creative Cloud with assistance from AI tools and refined by a graphic designer. Additional content: C-SPAN.


Video Transcript

Narrated by Larry Levitt, KFF Executive Vice President for Health Policy

Prior authorization keeps health care costs down. And patients often waiting for care.

The job of deciding what health care gets covered largely falls to health insurers, and it’s not a role that wins them many fans.

Costly insurance premiums are straining consumers and employers alike. But those premiums are high mainly because of spending for hospital care, physician services, and prescription drugs.

At almost a third of national health expenditures, hospitals account for the largest share of total spending and also drive more growth than other parts of the health care system. 

Though they may not do it very effectively, insurers are a counterweight to a consolidated hospital industry that uses its market power to charge higher prices. 

The prices paid by private insurers for hospital care are about double what Medicare pays and have risen much faster too. Up 30% for private insurers versus 21% for Medicare.

Insurers have limited tools to control prices. Prior authorization is their main lever on volume. 

Insurers see it as pushing back against a system that incentivizes doing more rather than less, discouraging care that is not medically necessary. But patients and clinicians experience it as insurers saying no to care they believe is needed.

A KFF survey of insured adults found that prior authorization was the single biggest health care burden beyond costs.

When insurers push back on requests, some services don’t happen and even the possibility of a denial changes how clinicians practice. They order less, knowing some requests won’t be approved.

Nearly half of insured adults said they’d had care denied or delayed in the two years prior, with many reporting consequences for their physical health, emotional well-being, or finances.

Insurers may be imperfect referees, but some entity has to address what health care needs to be covered and at what price. The question is who do we trust to make those calls most effectively and fairly?

MORE HEALTH POLICY VIDEOS

Series

Health in the 2026 Midterm Elections

This research is part of KFF’s Health in the Midterms series, a collection of policy research, polling and news from across KFF about election-related health care issues.


CONTACT

Ann DeFabio

Senior Vice President and Chief Communications Officer

annd@kff.org

The Business of Health with Chip Kahn

AI’s Role in Health Care: What Keeps You Up at Night?

September 8, 2026

Video

Audio

About this Episode


Episode 14, AI Series: At the close of every episode, Chip asks his guests the same question: ‘What keeps you up at night?’ In this highlights episode, we share intriguing responses on AI’s role in health care. From deepfakes and misinformation to bias and the risk of losing the human connection at the heart of care, these highlights capture some of the top issues today.

The Host


Headshot photo of Chip Kahn wearing a navy blue suit with a red tie, red pendant on lapel, and glasses.

Sr. Visiting Fellow

Charles N. Kahn III is a senior visiting fellow at KFF. He is also a visiting senior fellow at the American Enterprise Institute and a nonresident senior scholar at the University of Southern California’s Schaeffer Center for Health Policy & Economics. He serves as co-chair of the international Future of Health collaborative.


SERIES

This weekly podcast features insightful conversations between host Chip Kahn and his guests, who discuss the business of health care, connecting the dots between the health care business, policy, and patients.

The podcast’s first series on AI in health care illuminates how AI is changing health care, and features guests who are deploying this technology, managing its consequences, and designing policy around it.