How health insurance may have made health care more expensive

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How health insurance may have made health care more expensive
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Widespread medical debt is a uniquely American problem, with such debt totaling at least $195 billion in 2019. It was once thought that the problem was that Americans were largely uninsured, but even those with health coverage can run into problems. Over 90% of the U.S. population has some kind of medical insurance, but about 40% of adults say they have at least $250 in medical debt.

System reforms have also led to patients having to pay more at the point of care.

Widespread medical debt is a uniquely American problem. Roughly 40% of U.S. adults have at least $250 in medical debt, according to a"The history of medical debt is basically a history of the changing answer to the following question: When the patient can't pay the bill, who foots it?" said Dr. Luke Messac, an emergency physician at Brigham and Women's Hospital in Boston who is writing a book about the history of medical debt.

As health-care prices rose over the past fifty years, patients were being asked to pay more out of pocket when they received care.

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