В долгах, как в шелках

[chuka_lis]

Sick and struggling to pay, 100 million people in the U.S. live with medical debt  About 1 in 7 people with debt said they've been denied access to a hospital, doctor, or other provider because of unpaid bills, according to the poll. About two-thirds ― have put off care they or a family member need because of cost.  Half of U.S. adults don't have the cash to cover an unexpected $500 health care bill, according to the KFF poll. As of last year, 58% of debts recorded in collections were for a medical bill, according to the Consumer Financial Protection Bureau. About 50 million adults ― roughly 1 in 5 ― are paying off bills for their own care or a family member's through an installment plan with a hospital or other provider. Such debt arrangements don't appear on credit reports unless a patient stops paying. One in 10 owe money to a friend or family member who covered their medical or dental bills, another form of borrowing not customarily measured. About 1 in 6 adults are paying off a medical or dental bill they put on a card. The federal data estimated that collective medical debt totaled at least $195 billion in 2019, larger than the economy of Greece
.About 1 in 8 medically indebted Americans owe $10,000 or more.  Nearly half of Americans in households making more than $90,000 a year have incurred health care debt in the past five years. U.S. counties with the highest share of residents with multiple chronic conditions, such as diabetes and heart disease, also tend to have the most medical debt.  the law's caps on out-of-pocket costs have proven too high for most Americans. Federal regulations allow out-of-pocket maximums on individual plans up to $8,700. Additionally, the law did not stop the growth of high-deductible plans, which have become standard over the past decade. That has forced growing numbers of Americans to pay thousands of dollars out of their own pockets before their coverage kicks in. Last year the average annual deductible for a single worker with job-based coverage topped $1,400, almost four times what it was in 2006. Family deductibles can top $10,000. About a third of seniors have owed money for care, the poll found. And 37% of these said they or someone in their household have been forced to cut spending on food, clothing, or other essentials because of what they owe; 12% said they've taken on extra work.

In America, medical bills are the most common reason for bankruptcy. In fact, medical bankruptcy statistics suggest that 17% of adults with health care debt had to declare bankruptcy or lose their home because of it as of 2022.

American Savings By Generation: How Balances And Goals Vary By Age. More than one in four Americans (28%) have savings below $1,000. Rising living costs are the primary barrier to saving more (66%), followed by debt repayment (31%). With the average national rent price sitting at $1,372, having less than a grand tucked away means many Americans are teetering on the edge of financial instability, with little cushion to absorb unexpected expenses.

Most Americans Save, but Many Can’t Cover a $1,000 Emergency. Less than half (45%) of Americans would be able to cover a $1,000 emergency expense without turning to a credit card or loan (he median amount reported is $250n). About 9 in 10 Americans (89%) save on a regular basis. 155.6 million Americans — 60% of them — don’t have a retirement-specific account 9uch as a 401(k) or investment retirement account, also known as an IRA). And 25% of Americans have used money from savings or a retirement account to pay their bills within the last 12 months.

The average debt an American owes is $104,215 across mortgage loans, home equity lines of credit, auto loans, credit card debt, student loan debt, and other debts like personal loans.

Bankrate’s 2024 Credit Card Debt Repor:  As of June 2024 polling, half (50 percent) of credit cardholders carry credit card debt from month to month. 60% of U.S. adults with credit card balances have had that balance for at least a year.. 36% of U.S. adults have more credit card debt than emergency savings.

the average U.S. household with credit card debt has a balance of around $6,065. In November 2021, the interest rate on this debt was around 15%, meaning that the average indebted household was paying $76 per month in credit card interest. By November 2023, the interest rate had risen to around 21%.

Comments

[leff]

Оч. странно.
Система мед страхования в Штатах не работает?
Если чел трудится на предприятии, то в случае заболевания предприятие обязано оплачивать его медсчета.
А если он ещё и член профсоюза, то и профсоюз должен как-то подключиться.