A new report from Kaiser and the New York Times examines how working-age Americans pay for their healthcare insurance and medical bills.
Here are 20 statistics from the report:
1. One in five working-age Americans with health insurance — 20 percent — report having problems paying medical bills, which can cause serious financial challenges, employment changes and lifestyle changes.
2. Half of uninsured Americans say they have problems paying medical bills, bringing the total working-age Americans with problems paying medical bills to 26 percent.
3. When problems paying medical bills occur, 44 percent of insured working-age Americans and 45 percent of uninsured working-age Americans report medical bills having a major impact on their families.
4. Among those with difficulties paying medical bills, 77 percent delayed vacations or major household purchases while 75 percent spent less on food, clothing and basic household items.
5. Sixty-three percent reported using up all or most of their savings on medical bills.
6. The Americans with issues paying medical bills often took extra jobs or worked more hours — 42 percent reported doing so.
7. Thirty-eight percent of the respondents reported increasing credit card debt and another 37 percent reported borrowing money from their friends or family.
8. Eleven percent of working-age Americans with problem medical bills are seeking charitable aid and 14 percent are changing their living situations.
9. Problem medical bills occurred for 62 percent of the respondents while they had health insurance coverage, usually through their employer.
10. For insured working-age Americans, 75 percent with problem medical bills said the copay, deductibles or co-insurance were too expensive to afford.
11. The respondents with health insurance and problem medical bills often reported skipping healthcare because of the cost, with 43 percent skipping physician-recommended tests or treatments.
12. Twenty-six percent of the respondents reported receiving unexpected claim denials with 32 percent receiving out-of-network care their insurance didn't cover.
13. The respondents who received out-of-network care were often surprised their insurance didn't cover their care; 69 percent said they weren't aware their provider wasn't in the plan's network.
14. More than half of the respondents who were insured said they were contacted by collection agencies in the past year. Sixty-one percent had difficulty paying for other bills.
15. More than half — 55 percent — of the people with health insurance who also have difficulty paying medical bills reported they are "just getting by" or "don't make enough to make ends meet."
16. Those with difficulty paying medical bills were more likely to take extra steps to negotiate prices or shop for healthcare than others.
17. Sixty-nine percent of those who shopped around for prices said it was difficult to find out how much care would cost.
18. Sixty-seven percent of respondents who tried to negotiate prices said they were unsuccessful.
19. Among working-age Americans with medical bill problems, 31 percent said their bills reached $5,000 or more, and 13 percent reported bills of $10,000 or more.
20. About one-quarter of the respondents said they have problems with smaller totals, including bills less than $1,000.