If you’ve got health insurance and you’re still wondering why you can’t afford to pay for the basics, you’re not alone.
A survey released on Tuesday by the Insurance Information Institute found that nearly half of Americans who had health insurance in 2017 had not been able to afford to get the coverage they need.
The survey was carried out by the nonprofit, nonpartisan Institute for Healthcare Improvement (IHE), which was established in 2010 to provide a transparent and comprehensive look at the costs and benefits of the health care system.
More than half of those surveyed had been unable to get coverage due to health insurance policy issues, and a quarter of respondents said they were facing an annual cost of more than $2,000 a year.
The report found that the number of Americans without health insurance grew by 23% between 2017 and 2019.
“The ACA has provided a clear path to coverage, but the ACA has not solved the problem of people having to pay the premiums,” IHE President Paul Sifton said in a statement.
“We will continue to fight for comprehensive coverage and access to affordable care.”
A majority of those polled said that the Affordable Care Act was good for them.
Nearly two-thirds of respondents who did not have health insurance said that they had been able “to afford” coverage in 2017.
Of those surveyed who had been eligible for the ACA, 57% said that their coverage was “good for them” and 36% said it was “excellent”.
“As we head into the holidays, it is important for Americans to know how their coverage is affecting their health care costs,” IHI President Scott Silverman said in the statement.
Many of the survey’s findings could be considered controversial.
According to the report, the number and quality of coverage varies depending on how the government defines a “covered person” – whether it’s a small business owner, an employee or a veteran.
A majority (53%) of respondents aged 50 and older said they had not had a “good” or “exemplary” experience with their health insurance coverage, and 59% said they could not afford to cover themselves and their family in a year without coverage.
Nearly half of respondents (47%) said they have had a premium increase in the past three years, and 42% said the cost of their premium has doubled.
“Health insurance coverage is not about whether you have coverage,” Silverman added.
“It’s about what you’re able to get covered for.”
“I am sick and tired of people telling me that they are paying for the premium but can’t because they can’t pay their bills,” Sifson said in an interview with Reuters.
“They’re not paying for it, and it’s not their fault.”
Sifston added that the average American does not have enough money in their pocket to cover their family’s medical costs.
“I don’t think there is any way to fix the problem,” he said.
“It’s a health care crisis that’s going to get worse before it gets better.”
IHE is an organisation that aims to improve access to health care services.
In 2016, it was founded to provide independent, impartial research on the health of the US healthcare system.
Its goal is to ensure that healthcare is affordable and accessible to all Americans.
The IHE has been a supporter of the Affordable Healthcare Act, which was signed into law in 2010.
According to the Institute for Health Economics and Policy (IHEP), which is based in Washington, DC, health care in the United States is “underfunded and uncompensated for people of all income levels”.
It said that about half of the public and private sector healthcare system is underfunded, and that half of all insured Americans are unable to afford their premiums.
IHE also reported in 2017 that about a quarter (24%) of US adults do not have a health insurance plan and an additional 14% do not plan to obtain coverage.
The group said that in 2017, 2.7 million Americans were uninsured, and the uninsured rate for that year was 17.4%.
“The current system is unsustainable,” Siffson added.
The healthcare costs of American households are expected to grow at a rate of more as the country becomes more affluent and older people leave the workforce.
The Institute for the Study of Labor estimates that a family of four with an annual income of $50,000 will be spending $1,400 per year for health insurance for the first time in 2021.
That’s up from $1 of annual income in 2015.
For some people, the cost is still too much.
A 2017 report from the National Bureau of Economic Research found that 40% of US workers between ages 25 and 64 who did work full time in 2017 did not receive health insurance benefits.
The study also found that workers earning between $10,000 and $50 million did not get any coverage.
IHE is calling for the repeal of the ACA’s employer mandate.
The mandate requires employers to provide health insurance