from the world's big
Over half of Americans are stressed because of medical bills
Anxiety does not help other medical conditions, adding trouble on top of trouble.
- More than 137 million people in the United States are struggling to pay their medical bills, according to new research.
- A recent survey also suggests that employer-based insurance programs are not helping as much as believed.
- The worst hit group is uninsured Americans, who struggle to keep up with mounting medical expenses.
Health care is at the top of the ticket in the rush toward the 2020 presidential election. Details between "Medicare for all" and public and private options will be on full display at a time when even so-called conventional wisdom is up for debate: the general consensus that employer-based health care options are best is not looking like a strong argument, as a recent survey shows.
The survey, a joint effort between the Kaiser Family Foundation and the Los Angeles Times, notes that over half (54 percent) of respondents claim that someone in their family suffers from chronic conditions, such as hypertension, diabetes, or asthma. A lifetime of medication and monitoring is ensured, putting serious strain on families. Job-based health plans have almost quadrupled in price over the last dozen years.
This isn't the only recent research to confirm struggles with America's health care system. A large-scale study by the American Cancer Society confirms an inconvenient fact: more than 137 million people in the United States are struggling to pay their medical bills.
The financial risk of cancer is well known: 42 percent of cancer patients lose their life savings within two years of treatment. This new research, conducted by four doctors in the Surveillance and Health Services Research Program at the ACA, looks at high out-of-pocket (OOP) spending for overall medical care—not just in the treatment of cancer—with a particular emphasis on employment-aged citizens, 18-64.
Why Medical Bills In The US Are So Expensive
Financial toxicity due to OOP costs have received much attention in recent years. One conceptual framework, proposed by Nandita Khera in 2014, features a four-level grading criteria for expressing financial problems:
- Lifestyle modification (deferral of large purchases or reduced spending on vacation and leisure activities) because of medical expenditure; Use of charity grants/fundraising/copayment program mechanisms to meet costs of care
- Temporary loss of employment resulting from medical treatment; Need to sell stocks/investments for medical expenditure; Use of savings accounts, disability income, or retirement funds for medical expenditure
- Need to mortgage/refinance home to pay medical bills; Permanent loss of job as a result of medical treatment; Current debts household income; Inability to pay for necessities such as food or utilities
- Need to sell home to pay for medical bills; Declaration of bankruptcy because of medical treatment; Need to stop treatment because of financial burden; Consideration of suicide because of financial burden of care
For this study, ACA researchers point to three domains of financial medical hardship—"material conditions that arise from increased OOP expenses and lower income (e.g., medical debt); psychological responses (e.g. distress, worry); coping behaviors (e.g. delaying or forgoing care because of cost)"—in their analysis. Looking beyond oncology, they used the 2015-2017 National Health Interview Survey (NHIS) to collect data.
Nearly 70 percent of respondents (ages 18-64) had private health insurance; nearly 50 percent of respondents over age 65 reported having Medicare and private insurance. The group having the most financial problems are in the 18-64 age range, with higher material, psychological, and behavioral financial hardship.
Members of National Nurses United union members wave "Medicare for All" signs during a rally in front of the Pharmaceutical Research and Manufacturers of America in Washington calling for "Medicare for All" on Monday, April 29, 2019. (Photo By Bill Clark/CQ Roll Call)
One-third of older Americans reported hardship in at least one of those three domains compared to 56 percent in the employment-aged group. Overall, women were hit hardest. Uninsured respondents reported problems in multiple domains (52.8 percent), followed by those with public insurance (26.5 percent) and finally, private coverage (23.2 percent). Over three-fourths of uninsured respondents are struggling in at least one domain.
As noted, over half of respondents experience hardship in one domain, while over a quarter report issues in two domains. Sadly, the authors write, this problem is only getting worse.
"With increasing prevalence of multiple chronic conditions; higher patient cost-sharing; and higher costs of healthcare; the risk of hardship will likely increase in the future. Thus, development and evaluation of the comparative effectiveness and cost-effectiveness of strategies to minimize medical financial hardship will be important."
Climate change and health care remain top issues in the upcoming election cycle. While candidates make their plea and pundits choose sides, the rest of the population is suffering. By the time November, 2020 rolls around, more citizens will be bankrupted (and more needlessly dead) due to the politics of health care.
That is the most tragic realization of all: we could have done something about this epidemic yet partisan paralysis has stopped us. There is nothing caring about such a system.
Join multiple Tony and Emmy Award-winning actress Judith Light live on Big Think at 2 pm ET on Monday.
Construction of the $500 billion dollar tech city-state of the future is moving ahead.
- The futuristic megacity Neom is being built in Saudi Arabia.
- The city will be fully automated, leading in health, education and quality of life.
- It will feature an artificial moon, cloud seeding, robotic gladiators and flying taxis.
The Red Sea area where Neom will be built:
Saudi Arabia Plans Futuristic City, "Neom" (Full Promotional Video)<span style="display:block;position:relative;padding-top:56.25%;" class="rm-shortcode" data-rm-shortcode-id="c646d528d230c1bf66c75422bc4ccf6f"><iframe type="lazy-iframe" data-runner-src="https://www.youtube.com/embed/N53DzL3_BHA?rel=0" width="100%" height="auto" frameborder="0" scrolling="no" style="position:absolute;top:0;left:0;width:100%;height:100%;"></iframe></span>
Frequent shopping for single items adds to our carbon footprint.
- A new study shows e-commerce sites like Amazon leave larger greenhouse gas footprints than retail stores.
- Ordering online from retail stores has an even smaller footprint than going to the store yourself.
- Greening efforts by major e-commerce sites won't curb wasteful consumer habits. Consolidating online orders can make a difference.
A pile of recycled cardboard sits on the ground at Recology's Recycle Central on January 4, 2018 in San Francisco, California.
Photo by Justin Sullivan/Getty Images<p>A large part of the reason is speed. In a competitive market, pure players use the equation, <em>speed + convenience</em>, to drive adoption. This is especially relevant to the "last mile" GHG footprint: the distance between the distribution center and the consumer.</p><p>Interestingly, the smallest GHG footprint occurs when you order directly from a physical store—even smaller than going there yourself. Pure players, such as Amazon, are the greatest offenders. Variables like geographic location matter; the team looked at shopping in the UK, the US, China, and the Netherlands. </p><p>Sadegh Shahmohammadi, a PhD student at the Netherlands' Radboud University and corresponding author of the paper, <a href="https://www.cnn.com/2020/02/26/tech/greenhouse-gas-emissions-retail/index.html" target="_blank">says</a> the above "pattern holds true in countries where people mostly drive. It really depends on the country and consumer behavior there."</p><p>The researchers write that this year-and-a-half long study pushes back on previous research that claims online shopping to be better in terms of GHG footprints.</p><p style="margin-left: 20px;">"They have, however, compared the GHG emissions per shopping event and did not consider the link between the retail channels and the basket size, which leads to a different conclusion than that of the current study."</p><p>Online retail is where convenience trumps environment: people tend to order one item at a time when shopping on pure player sites, whereas they stock up on multiple items when visiting a store. Consumers will sometimes order a number of separate items over the course of a week rather than making one trip to purchase everything they need. </p><p>While greening efforts by online retailers are important, until a shift in consumer attitude changes, the current carbon footprint will be a hard obstacle to overcome. Amazon is trying to have it both ways—carbon-free and convenience addicted—and the math isn't adding up. If you need to order things, do it online, but try to consolidate your purchases as much as possible.</p><p>--</p><p><em>Stay in touch with Derek on <a href="http://www.twitter.com/derekberes" target="_blank">Twitter</a>, <a href="https://www.facebook.com/DerekBeresdotcom" target="_blank">Facebook</a> and <a href="https://derekberes.substack.com/" target="_blank">Substack</a>. His next book is</em> "<em>Hero's Dose: The Case For Psychedelics in Ritual and Therapy."</em></p>
Chronic irregular sleep in children was associated with psychotic experiences in adolescence, according to a recent study out of the University of Birmingham's School of Psychology.