Call A Trusted, Experienced LAW FIRM
Tsao-Wu & Yee LLP International Lawyers

How does medical debt affect people?

Despite the Affordable Care Act providing an estimated 15 million people health insurance, they did not previously have, insurance itself does not mean you will not have medical bills. For many Americans, even those with health insurance, living paycheck-to-paycheck is a way of life that is made even more difficult with an illness or accident.

According to the New York Times, an estimated 20 percent of those younger than 65 say they are struggling to pay medical bills—and these are the ones with insurance. That compares with 53 percent of that same age group who are without insurance and find it difficult to pay off medical debt. These numbers indicate the ever-increasing cost of health care in the U.S.

Since before 2000, health insurers began requiring policyholders to pay more in out-of-pocket costs through higher co-pays and larger deductibles. While Obamacare protected consumers from being charged exorbitant health fees by making insurers offer a broader range of coverage, it also encouraged or made possible higher deductibles.

The insured who are struggling to pay health-care bills have turned to a variety of methods to pay down medical debt:

  • 63 percent used most or all of their savings
  • 42 percent got a second job or increased work hours
  • 14 percent moved or rented out rooms
  • 11 percent sought help from a charity

As evidenced by these survey participants, those with large medical debt are impacted in many ways in their daily lives. From not purchasing needed medication or seeing a doctor when needed, Americans are making decisions that affect their employment by working extended hours or a taking on another job, moving in with family or moving to less-expensive housing, and going deep into credit-card debt to help pay the bills.

This article contains important information about medical debt that is general in nature. It should not be considered legal advice.

No Comments

Leave a comment
Comment Information
Email Us For A Response

Want To Learn More?

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy


San Francisco Office
4215 Geary Boulevard
San Francisco, CA 94118

Toll Free: 800-494-0390
Fax: 415-777-2298
Map & Directions

San Jose Office
99 North 1st Street
Suite 200
San Jose, CA 95113

Toll Free: 800-494-0390
Phone: 408-635-2334
Map & Directions

San Francisco Office
140 Geary St.
4th Floor
San Francisco, CA 14180

Map & Directions

Oakland Office
1110 Franklin Street
Suite 1
Oakland, CA 94607

Toll Free: 800-494-0390
Map & Directions

  • M & A 2017 Awards CorporateLiveWire
  • LCA | Proven Trail Lawyers
  • American Arbitration Association
  • Legal Leaders
  • Super Lawyers
  • The Bar Association Of San Francisco
  • Soba | Honoring The past| Inspiring The Future
  • Arag | Divine Into Life
  • Attorney Search Network | Find The Right Lawyer