b'Americans Need More Than Medical InsuranceFor the estimated 44 million people 1in the U.S. who aredelaying retirement, or taking on a second job just to pay underinsured, having medical insurance wasnt enough inthose medical bills. Unfortunately, health care costs are 2018. It wasnt enough to cover the cost of prescriptionstaking a bigger and bigger bite out of peoples incomes, and other medical treatments. It wasnt enough to keepmaking underinsurance an all-too-common problem in them from going into debt, cutting back on groceries,the United States.45% 15%of Americans (age 19-64) are underinsured1. of Americans take 5 or more drugs5.The greatest growth of theunderinsured is among people inAbout 45%employer-basedof Americans suffer from at least one chronic disease5.health plans.1 Lower-wagefamilies with employer health coverage spend 14% of 30% their income on premiums and out-of-pocket costs6.of underinsured people have problems paying, or cannot pay, medical bills1. Average insurance premiums for family coverage have increased by 48% 20% since 2013 and 55% since 20087.of people (age 19-64) worry about their ability to pay medical bills if they get sick2. A hospital stay3 in 10 can reduce a middle-agers income by 20% for six+ years8.Americans dont take prescriptions as13+ milliondirected because of cost3.people spend all or most of their savings while sick9.20%of insured Americans receive surprise13%medical bills for out-of-network care4. of insured people borrow money as a result of illness9.The caring people at HealthWell are angels. Very pleasant to deal with and very helpful with the grant application process. I cannot thank the HealthWell Foundation enough.DOROTHY March 2018 (5 Star Facebook Review)1 https://www.commonwealthfund.org/publications/issue-briefs/2019/feb/health-insurance- 6 https://www.axios.com/employer-coverage-less-affordable-than-aca-low-income-1f1642a7-b211-coverage-eight-years-after-aca 497f-aec7-d3315c150266.html2 https://www.healthsystemtracker.org/indicator/access-affordability/problems-paying-medical-bills/ 7 https://www.kff.org/report-section/2018-employer-health-benefits-survey-summary-of-findings/3 https://www.kff.org/slideshow/public-opinion-on-prescription-drugs-and-their-prices/ 8 http://faculty.wcas.northwestern.edu/noto/research/DFKN_hospital_admissions_june2017.pdf4 https://www.kff.org/health-reform/press-release/most-americans-want-congress-to-prioritize- 9 https://www.nytimes.com/2018/10/17/upshot/health-insurance-severely-ill-financial- health-care-costs-fewer-cite-medicare-for-all-and-aca-repeal-as-top-priorities/ toxicity-.html?action=click&contentCollection=upshot&contentPlacement=1& module=package&pgtype=sectionfront®ion=rank&rref=collection/sectioncollection/5 https://www.nap.edu/read/24946/chapter/1#xiii upshot&version=highlights'