Bioethics Blogs

Insured But Not Covered

Under the Affordable Care Act, the percent of Americans who lack any health insurance has declined significantly. Put another way – more Americans have health insurance than ever. But having insurance coverage is different than being well covered by insurance. Sometimes a person can enroll in a health insurance plan, and still face the kind of out-of-pocket healthcare costs that lead to significant financial distress. That is certainly one of the findings of a recent Commonwealth Fund study, with the main results illustrated below:

Face out-of-pocket expenses equal to 10% or more of your income? You are officially underinsured. By this measure, almost a quarter of Americans were underinsured in 2014. Not a figure we should be proud of!

The views, opinions and positions expressed by these authors and blogs are theirs and do not necessarily represent that of the Bioethics Research Library and Kennedy Institute of Ethics or Georgetown University.