More than 1 in 4 US adults reports having medical debt - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Health/Employee Benefits News
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Health/Employee Benefits News
Health/Employee Benefits News RSS Get our newsletter
Order Prints
10 hours ago Health/Employee Benefits News
Share
Share
Post
Email

More than 1 in 4 US adults reports having medical debt

By Press Release

More than one in four U.S. adults (27%) reported that they or their family members owed medical debt in 2025, including 26% of adults with health insurance, according to a new Urban Institute analysis supported by the Robert Wood Johnson Foundation. The findings show that health insurance does not guarantee families can afford the care they need.

More than half of adults who reported having medical debt (54%) said their families owed at least $1,000, and 16% owed $5,000 or more. The analysis shows that, for many families, the burden extended well beyond an unpaid bill. More than one-third of adults with medical debt (35%) said they or a family member had been contacted by a collection agency about unpaid medical bills in the past year. Overall, 15% of U.S. adults reported having family medical bills that were past due or that they were unable to pay.

Adults with low incomes, those with a disability or in fair or poor health, and those ages 45 to 54 were more likely to have medical debt. More than one in three Black adults (38%) and Hispanic adults (35%) reported holding medical debt, which reflects ongoing health and economic inequities.

Nearly one in five adults age 65 and older (18%) reported that they or a family member owed medical debt, despite nearly all people in this age group having health coverage through Medicare.

Share of U.S. adults who had medical debt in December 2025

“Health insurance does not shield people from rising healthcare costs and the crushing burden of medical debt,” said Katherine Hempstead, senior policy officer at the Robert Wood Johnson Foundation. “Historic cost increases and coverage losses are forcing impossible tradeoffs between healthcare and other basic needs.”

The study found that hospitals were the largest reported source of debt, with just over half of adults with medical debt (52%) owing money for hospital services. Other reported sources of medical debt include specialists (42%), dental care providers (38%), and general doctors (34%).

Reported debt sources among U.S. adults who held medical debt in December 2025

“This analysis shows medical debt is pervasive, affecting adults across age groups and income levels and people with and without health insurance,” said Michael Karpman, principal research associate at the Urban Institute. “It will be important to monitor how the burden of medical debt shifts as policies restricting access to Medicaid and Marketplace coverage take effect.”

The study suggests medical debt challenges could worsen in the coming years, as employers respond to the rising price of health insurance by shifting costs to employees and millions of people are expected to lose Medicaid and Marketplace coverage due to federal policy changes.

Methodology
The study examined the prevalence and burden of medical debt among U.S. adults ages 18 and older using December 2025 data from the Urban Institute’s Well-Being and Basic Needs Survey, a nationally representative survey of more than 10,000 adults.

Read the full analysis, More Than One-Quarter of U.S. Adults Had Medical Debt in 2025.

Older

1 in 3 U.S. workers do not have a legacy plan in place

Newer

Gen X and millennials seek new retirement model

Advisor News

  • Gen X and millennials seek new retirement model
  • Are families ready for the costs of aging at home?
  • When a client moves, their insurance plan needs to move, too
  • A rising retirement challenge: The license to spend
  • Financial stress leaves less room for retirement saving
More Advisor News

Annuity News

  • Gen X and millennials seek new retirement model
  • Global Atlantic names Dan Farrelly head of IMO and IBD channels
  • A rising retirement challenge: The license to spend
  • What lower interest rates mean to annuity payouts
  • AM Best downgrades A-Cap insurers amid financial and regulatory troubles
More Annuity News

Life Insurance News

  • Symetra Named a Fortune Best Workplace in Financial Services & Insurance™ for Fourth Consecutive Year
  • 1 in 3 U.S. workers do not have a legacy plan in place
  • MassMutual Enhances Permanent Life Insurance Portfolio With Launch of Whole Life Guard 10 Pay and Whole Life 95
  • Study Results from Cornell University in the Area of Insurance Reported (Regulatory Competition In the Us Life Insurance Industry): Insurance
  • AM Best Comments on Issuer Credit Ratings of Pacific Life Insurance Company’s Commercial Paper Following Amendment to Program
Sponsor
More Life Insurance News

Property and Casualty News

  • Police investigating after explosion damages Tacoma business
  • Jim Beam column: Flood insurance too expensive
  • Extreme weather damage is leaving homeowners with long-term household debt
  • A record-quiet hurricane season: what it means for property insurance
  • Is travel insurance useless in a crisis? Read the fine print
More Property and Casualty News

- Presented By -

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Press Releases

  • Lauren Sinnott Named to Ragan’s Top Women in Marketing Awards, Class of 2026 
  • Classic Car Insurer OpenRoad Insurance Expands to 40 U.S. States in Two Years
  • How Aspire General Turned an Early Technology Bet Into Claims Automation at Scale with Kyber
  • Adjusto launches AI-Native contents claims services powered by its technology platform
  • URL Insurance Group Celebrates 40 Years of Service, Growth, and Industry Leadership
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.