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Affordability

A promotional image for the the KFF Health Policy 101 Health Care Costs and Affordability chapter

Health Policy 101 is a comprehensive guide covering fundamental aspects of U.S. health policy and programs, including Medicare, Medicaid, the Affordable Care Act, employer-sponsored insurance, the uninsured population, health care costs and affordability, women's health issues, and health care politics. The Health Care Costs and Affordability chapter explores trends in health care costs in the U.S. and the factors that contribute to this spending. It also examines how health care spending varies across the population, the impact of costs on care affordability and individuals' overall financial vulnerability.

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  • People with Medical Debt are Much More Likely to Experience Other Forms of Financial Stress

    News Release

    People with medical debt are much more likely than those without such debt to show other signs of financial vulnerability, like having no “rainy day” fund, overdrawing a checking account, or relying on costly loans, according to a new KFF analysis of national survey data. Medical debt remains a significant issue in the U.S., including among people with health insurance. In 2021, 23% of U.S. adults had one or more unpaid and past due bills…

  • Affordability in the ACA Marketplace Under a Proposal Like Joe Biden’s Health Plan

    Issue Brief

    This KFF analysis finds that expanding Affordable Care Act (ACA) premium subsidies like Democratic presidential nominee Joe Biden has proposed would lower the cost of Marketplace coverage for nearly all potential enrollees, including the uninsured and others currently priced out of the Marketplace. Biden's plan would, however, increase federal spending, which we do not attempt to estimate here.

  • Kaiser Family Foundation/LA Times Survey Of Adults With Employer-Sponsored Insurance

    Report

    This KFF/LA Times survey explores the attitudes and experiences of adults with employer-sponsored health insurance (ESI), including views of their health plans and affordability challenges related to premiums, deductibles, and unexpected medical bills. The survey takes a special look at those in high deductible plans (including those paired with a health savings account or HSA), those with chronic health conditions, and those with lower incomes. It also examines factors related to health plan decision-making and…

  • Early Results from Federal Price Transparency Rule Show Difficultly in Estimating the Cost of Care

    Issue Brief

    A new issue brief examines compliance with a new federal price transparency rule and variation in payer-negotiated rates at U.S. hospitals. The analysis looks at the websites of the two largest hospitals in each state and the District of Columbia, and finds that a lack of consistency in the data and limited compliance among the hospitals sampled makes it difficult to compare prices across facilities. The brief is available on the Peterson-KFF Health System Tracker,…

  • Polling Data Note: Beyond the ACA, the Affordability of Insurance Has Been Deteriorating Since 2015

    News Release

    The debate about the future of the Affordable Care Act and its individual insurance marketplaces may be taking the focus off the affordability challenges facing the broader population, most of whom get their health coverage through employers, Medicare or Medicaid. New survey findings from the Kaiser Family Foundation show that health care has become somewhat less affordable even among those with health insurance. Since 2015, larger shares of people with health insurance say they have…

  • An analysis of out-of-network claims in large employer health plans

    Issue Brief

    A new Kaiser Family Foundation brief examines out-of-network claims in large employer plans, and finds that a significant share of inpatient hospital admissions includes bills from out-of-network providers, often leaving patients exposed to "surprise medical bills" and high out-of-pocket costs. The analysis of part of the Peterson-Kaiser Health System Tracker, an online information hub dedicated to monitoring and assessing the performance of the U.S. health system.