1 in 3 Americans with health insurance have medical debt, survey finds
Updated on: September 17, 2026 / 8:40 PM EDT / CBS News
TL;DR
- One in three Americans with employer-sponsored, ACA marketplace, or private health insurance have medical debt.
- Hospital visits are the most common source of medical debt, followed by routine care like doctor's appointments and lab tests.
- Nearly half of those with medical debt owe at least $2,000.
- To pay medical bills, 37% drained savings, 30% cut back on essentials, and 30% delayed or forwent medical care.
- The primary cause of debt is the extent of insurance coverage for out-of-pocket costs.
- Consumers can dispute erroneous medical bills and negotiate payment plans with insurers and providers.