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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
deductible plan.2
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.
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
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EXP 11/23
