Even after paying the ever-rising premiums, many Americans find themselves struggling to pay expenses their health insurance doesn’t cover in the event of a critical illness. That’s not surprising, given the increasing costs of treatment, care, copayments and deductibles.
Average family deductible for health insurance in the U.S.1
of covered workers have a high
Even with health insurance that provides 80% coverage, the remaining 20% for a major surgery can exceed $100,000.3
of cancer patients and their families estimated spending more than $20,000 each year in total out-of-pocket costs.4
Patients with heart disease often have out-of-pocket costs of more than $2,000 per year.5
of people who file for bankruptcy relate it to medical issues.6
Cancer 1.8 million new patients a year.7
Stroke 795,000 cases a year.8
Major organ transplant 41,000 a year.9
Kidney failure 785,000 cases a year.10
Meeting the minimum family deductible of a highdeductible health plan, with up to $2,200 left over.11
Part- or full-time at-home care.12
Uber rides to health care appointments.13
Home visits with a registered dietitian.14
Ask your sales representative for more information about critical illness options for your clients.
1 Kaiser Family Foundation. “Average Annual Deductible per Enrolled Employee in Employer-Based Health Insurance for Single and Family Coverage.” Published 2022. Accessed 10.10.2022.
2 Kaiser Family Foundation. 2021 Employer Health Benefits Survey, Summary of Findings. Published Nov.10. 2021. Accessed 10.07.22.
3 Debt.org. “Hospital and surgery costs.” Updated Feb. 26, 2021. Accessed 10.07.22.
4 Public Payers News. “Cost of Cancer Care Reaches Nearly $150B Nationally.” Published Jan. 15, 2021. Accessed 10.07.22.
5 GoodRx Health. “How to Manage the Continuing Costs of Heart Disease.” Updated 8.4.2022. Accessed 10.10.2022.
6 Lucid Law. “Can My Medical Debt Be Paid Off With Bankruptcy?” Published 10.4.2022. Accessed 10.10.2022.
7 National Cancer Institute. “Cancer Statistics.” Published 2021. Accessed 10.07.2022.
8 CDC. Stroke Facts. Accessed 10.07.22.
9 Organ Procurement and Transplantation Network. “All-time records again set in 2021 for organ transplants, organ donation from deceased donors.” Published 1.11.2022. Accessed 10.10.2022.
10 National Kidney Foundation. “Kidney Disease: The Basics.” Accessed 10.11.2022.
11 HealthCare.gov. “High Deductible Health Plan (HDHP).” Updated for 2022. Accessed 10.26.22.
12 Nurse Next Door. “How Much Does Senior In-Home Care Cost?” Published 5.3.2022. Accessed 10.10.2022.
13 Based on 2019 national average, $25.37 per ride. Statista. “Average Quarterly Cost Per Ride of Ridesharing Services in the United States from 2017 to 2019.” Published 12.8.2020. Accessed 10.07.22.
14 Based on $150 per session fee. Fees vary widely; this figure is on the higher end. 2021 CostHelper Health. “Nutritionist Cost.” Accessed 10.07.22.
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