In 37 States, Premiums, Deductibles Take Up 10% or More of Median Income

Healthcare Innovation January 12, 2022
David Raths

Commonwealth Fund report finds that in nearly half of states, middle-income households faced average deductibles that left them underinsured and exposed to high out-of-pocket costs

In a growing number of states, workers are at risk of spending 10 percent or more of their earnings on health insurance premiums and deductibles, according to a new report from the Commonwealth Fund. In 2020, workers in 37 states passed that threshold, up from 10 states in 2010.

Although employer health insurance coverage has proved to be relatively stable during the COVID-19 pandemic, the costs of that insurance consume a greater share of working families’ incomes in every state than they did a decade ago, the report finds.

According to the report, “State Trends...

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