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1 in 3 Americans with health insurance have medical debt, survey finds

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Cite

Cerullo, M. (2026, September 17). 1 in 3 Americans with health insurance have medical debt, survey finds. CBS News. https://www.cbsnews.com/news/1-in-3-insured-americans-medical-debt/

Dated when The Aporia collected the article, usually within hours of publication. Check the original for its exact date and byline.

CBS News · collected 2026-09-17 · by Megan Cerullo

Quick Summary

A new analysis by the Commonwealth Fund reveals that one in three Americans with health insurance have accumulated medical debt. Hospital visits are the main cause of this debt, with nearly two-thirds of adults reporting such costs. The survey also found that 15% of working-age adults with private insurance owe at least $2,000, and many resort to cutting back on essential expenses or using savings to pay these bills.
Written by AI on 2026-09-20, from this article's own text only (the story summary below draws on all the coverage).

AI analysis

Story summary

In September 2025, a Commonwealth Fund survey found that nearly one third of adults aged 19-64 with private health insurance in the U.S. have unpaid medical bills or medical debt. The study, based on interviews with over 6,300 nationally representative adults, revealed that about half of those paying off medical debts owed at least $2,000. Routine care and high deductibles are significant contributors to this debt, not just catastrophic events like car accidents or cancer treatments. The findings highlight the inadequacy of current health insurance coverage in protecting against financial ruin due to medical expenses, even for those insured through employers or the Affordable Care Act marketplace.

Written for “Medical Debt Among InsuredAmericans” on 2026-11-01, grounded in this article and the 1 other(s) covering the same event.

Story

📰 Medical Debt Among InsuredAmericans
Health · 2 article(s) covering the same event. See how they differ ↓

Compared with similar articles

This article reads unscored and hedges 27% of its claims. Each row says how that neighbour differs.
TIME
⚖️ Leans strongly left Hedges 4 of 19 claims Outlet record 59/100
How this article was measured signals, leaning charts, publisher record, byline, topics and claims

Signals How these are calculated →

Claims extracted
15
sentences that state something as happening or true
Uncertain
27%
4 of 15 hedged ("reportedly", "may", "according to")
Leaning
withheld
no quote in the article backed the model's score
Publisher signals
66/100
CBS News's corrections and hedging, across everything collected from it. Not a measure of accuracy.
Outlets on this story
2
Health
Same framing elsewhere
1
articles that frame the event the way this one does
Analyzed 2026-09-20 · how these are computed

How this is being covered How these are calculated →

Article leaning vs. publisher reliability
Source leaning vs. consistency

Publisher

CBS News · 4301 article(s) · 6 correction(s) detected
Running correction rate · 6 correction(s)

Who wrote this

Megan Cerullo
29 article(s) here · 1 carrying a prediction
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Also by Megan Cerullo
Nothing else under this byline is closely related to this article, so these are simply their most recent.
All 29 articles by Megan Cerullo →

Topics

Affordable Care Act Americans CBS News U.S. the Commonwealth Fund

Subjects

Americans NORP · 4× Collins PERSON · 3× the Commonwealth Fund ORG · 3× CBS News ORG · 2× Sara Collins PERSON · 1× U.S. GPE · 1×

Narrative

through their employer, the Affordable Care Act marketplace or the private market say they have medical debt that they are paying off over time, the Commonwealth Fund, a nonpartisan health policy research group, said in aHospital visits are the primary source of medical debt, with nearly two-thirds of U.S. adults reporting carrying debt related to such care.
framing: mixed · carried by 1 article(s) · first seen 2026-09-20
🔮 For example, healthcare providers may send a bill with erroneous charges, and the consumer should dispute them if they believe the charges were a mistake.

Claims (15 extracted, 4 hedged)

Even Americans with health insurance are piling up medical debt, according to a new analysis. uncertain
Americans → pile → analysis
through their employer, the Affordable Care Act marketplace or the private market say they have medical debt that they are paying off over time, the Commonwealth Fund, a nonpartisan health policy research group, said in aHospital visits are the primary source of medical debt, with nearly two-thirds of U.S. adults reporting carrying debt related to such care. asserted
thirds → say → care
Patients also carry debt stemming from obtaining routine medical care, such as doctor's office visits or getting lab or diagnostic tests, the study found. asserted
study → carry → tests
"The primary reason why these people have debt is about the extent to which their insurance covers their out-of-pocket costs," Sara Collins, the study's lead author and a health economist at the Commonwealth Fund, told CBS News. asserted
Collins → have → News
Almost half of Americans with medical debt, which amounts to about 15% of all working-age, privately insured adults, owe at least $2,000, according to the survey. uncertain
which → amount → survey
To pay those bills, 37% said they drained their savings, while 30% reported cutting back on , according to the Commonwealth Fund. uncertain
% → pay → Fund
Thirty percent also reported delaying or forgoing medical care. asserted
percent → report → care
"Most Americans don't have a lot of extra cash lying around, and when they are hit with an unexpected expense in a month when their income is allocated across all necessities of life, it can push people into medical debt they are unable to pay," Collins said. asserted
Collins → have → debt
"Especially among people who are low-income, they are on pretty regimented household budgets, and medical bills can really tip that budget over into the realm of not being able to pay for certain things and having to cut back. asserted
bills → tip → things
" The findings were based on a telephone and online survey with a nationally representative sample of 6,353 adults. asserted
findings → base → adults
There are some steps people with heavy medical debt can take to seek relief, Collins told CBS News. asserted
Collins → be → News
For example, healthcare providers may send a bill with erroneous charges, and the consumer should dispute them if they believe the charges were a mistake. uncertain
charges → send → them
Some consumers are hesitant to challenge such charges for fear that failing to pay will hurt their credit scores, Collins noted. asserted
Collins → challenge → scores
"It's a tough situation to be in, but it's important to make sure what you are being asked to pay is correct." asserted
asked → make → what
When coverage for medical services is denied, people can also contact their insurers and healthcare providers to negotiate a payment plan that lowers their out-of-pocket expenses. asserted
that → deny → expenses
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