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Even after paying the ever-rising premiums, many Americans find themselves struggling to pay expenses left uncovered by their health insurance if a critical illness occurs. That’s not surprising, given the increasing costs of treatment, care, copayments and deductibles.
Average deductible for single health insurance coverage in the U.S.1
of covered workers have a high
deductible health plan.1
Even with health insurance that provides 80% coverage, the remaining 20% for a major surgery can exceed $100,000.2
of cancer patients and survivors report carrying medical debt due to the costs of their cancer, regardless of insurance coverage or income levels.3
Patients with heart disease often have out-of-pocket costs of more than $2,000 per year.4
of bankruptcies are tied to medical debt.5
Diabetes 29.3 million adults have diagnosed diabetes.6
Stroke 795,000 cases a year.7
Mental health conditions 1 in 5 U.S. adults experience mental illness each year.8
Chronic kidney disease Affects 35.5 million people in the U.S. – many of whom don’t know they have it.9
Meeting the minimum family deductible of a highdeductible health plan, with up to $2,000 left over.10
Part- or full-time at-home care.11
Stair lift, including installation, possibly with a little money left over.12
Online behavioral therapy sessions.13
Ask your sales representative for more information about critical illness options for your clients.
1 Kaiser Family Foundation. “2023 Employer Health Benefits Survey.” published Oct. 18, 2023. Accessed 11.13.2023.
2 Debt.org. “Hospital and surgery costs.” Updated June 22, 2023. Accessed 11.13.2023.
3 American Cancer Society Cancer Action Network. “Survivor views: cancer and medical debt.” March 17, 2022. Accessed 11.13.2023.
4 GoodRx Health. “How to Manage the Continuing Costs of Heart Disease.” Updated 8.4.2022. Accessed 11.13.2023.
5 Personal Finance Insider. “What are medical bankruptcies?” Aug. 24, 2023. Accessed 11.13.2023.
6 American Heart Association. “Heart disease & stroke statistics - 2023 update.” Accessed 11.13.2023.
7 CDC. Stroke Facts. Accessed 11.13.2023.
8 NAMI - National Alliance on Mental Illness. Mental Health by the Numbers. Accessed 11.16.2023.
9 CDC. “Chronic kidney disease in the United States, 2023.” May 2023. Accessed 11.13.2023.
10 GoodRx Health. “What are the high-deductible health plan limits for 2023?” May 16, 2022. Accessed 11.20.2023.
11 Nurse Next Door. “How Much Does Senior In-Home Care Cost?” Published 5.3.2022. Accessed 11.13.23.
12 CostHelper. “How much does a stair lift cost?” Accessed 11.20.2023.
13 Based $20-$90 per session fee. Fees vary widely depending on services; this figure is on the higher end. BetterHelp. “How much does therapy cost you on average in 2023?” Updated Oct. 27, 2023. Accessed 11.20.2023.
The content within is for informational purposes for agent and broker-facing audiences. This information is not approved to distribute to prospective insureds, to prospective accounts or to use as a solicitation. Misrepresenting this, or any, information to solicit or induce an insured to lapse, forfeit, or surrender an insurance policy is prohibited by law. Any use not specifically permitted herein is strictly prohibited. Aflac includes Aflac and/or Aflac New York and/or Continental American Insurance Company and/or Continental American Life Insurance Company.
Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999
Continental American Insurance Company | Columbia, SC
AGC2100126R3
EXP 12/24
