Data Brief | No. 53 | September 2019

Northern Florida: 59% of Adults Experienced Healthcare Affordability Burdens in the Past Year

According to a survey of Florida adults conducted from June 28 to July 13, 2019, residents of the Northern Region experienced the highest level of healthcare affordability burden in Florida. All told, 3 out of 5 (59%) Northern Region adults experienced one or more of the following healthcare affordability burdens in the prior 12 months.

1) Being Uninsured Due to High Premium Costs

  • 69% of uninsured adults cited “too expensive” as the major reason for not having coverage, far exceeding other reasons like “don’t need it,” “don’t know how to get it” and other reasons.

2) Delaying or Forgoing Healthcare Due to Cost

​​​​​​​Nearly half (49%) of Northern Region adults who needed healthcare during the year encountered one or more cost related barriers to getting that care. In descending order of frequency, they reported:

  • 31%—Delayed going to the doctor or having a procedure done
  • 28%—Avoided going to the doctor or having a procedure done 
  • 28%—Skipped a recommended medical test or treatment 
  • 25%—Did not fill a prescription
  • 20%—Cut pills in half or skipped doses of medicine 
  • 16%—Had problems getting mental healthcare 

Moreover, cost was by far the most frequently cited reason for not getting needed medical care, exceeding a host of other barriers like transportation, difficulty getting an appointment, lack of childcare and other reasons. Of the various types of medical bills, the ones most frequently associated with an affordability barrier were doctor bills, dental bills, outpatient procedures and prescriptions drugs.

3) Struggling to Pay Medical Bills

In the prior 12 months, two out of five (40%) Northern Region adults experienced one or more of these struggles to pay their medical bills:  

  • 15%—Contacted by a collection agency 
  • 14%—Were unable to pay for basic necessities like food, heat or housing
  • 14%—Used up all or most of their savings
  • 9%—Borrowed money or got a loan or another mortage on their home
  • 8%—Racked up large amounts of credit card debt
  • 8%—Placed on a long-term payment plan 

High Levels of Worry About Affording Healthcare in the Future

Residents of the Northern Region reported high levels of worry about affording healthcare in the future. Three-quarters (76%) of respondents reported being “worried” or “very worried” about one or more of these topics: costs when elderly (62%); health insurance becoming too expensive (60%); cost of a serious illness or accident (60%); affording nursing home and home care services (59%); prescription drug costs (54%); and losing health insurance (36%). 

Dissatisfaction with the Health System and Support for Change

Residents of the Northern Region of Florida were extremely dissatisfied with the health system. Just 31% agreed or strongly agreed with the statement “We have a great healthcare system in the U.S.,” while 68% agreed or strongly agreed with “the system needs to change.” 

Respondents do see a role for themselves in solving problems. They reported actions they have already taken, like researching the cost of a drug beforehand (65%), as well as actions they should be taking—63% believe that taking better care of their personal health is one of the top things they can do personally to address affordability. 

But in far greater numbers they saw a role for their elected representatives. Examples of strategies that received support across party lines included (Total/Republican/Democrat/Neither):

  • Authorize the attorney general to take legal action to prevent price gouging or unfair prescription drug price hikes—(86%/84%/89%/85%)
  • Show what a fair price would be for specific procedures—(90%/86%/96%/89%)
  • Require insurers to provide upfront cost estimates to consumers—(90%/90%/91%/87%)
  • Make it easy to switch insurers if a health plan drops your doctor—(90%/88%/91%/90%)

The high burden of healthcare affordability along with high levels of support for change suggest that elected leaders and other stakeholders need to make addressing the cost of healthcare a top priority. Annual surveys can help assess whether or not progress is being made. 

Note: For survey methodology and state-wide data, see