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Majority of insured Americans fear costs could leave them without care
A GoodRx survey of 1,887 insured adults found 56% worry about catastrophic out of pocket costs, with prescription drugs and dental care among the most common uncovered gaps.
More than half of insured Americans say they fear that a serious illness or accident would come with out of pocket costs they cannot afford, according to a GoodRx Research study.
The survey found 56% of insured adults worried about catastrophic out of pocket spending. About one in four said their plan did not cover care they needed, and a similar share reported financial strain from costs they were left responsible for.
GoodRx Research surveyed 1,887 insured adults through YouGov between May and July 2026. The findings also point to where people are most likely to go without care, with prescription medications the most frequently cited coverage gap at 47%, followed by dental services at 35% and medical procedures at 23%.
The study comes as employer health benefit costs face renewed pressure, with average health benefit costs per employee rising 6.7% in 2026 and projected to rise at the same rate in 2027, according to Mercer's National Survey of Employer-Sponsored Health Plans. Insurance Business reports the expiration of Affordable Care Act premium tax credit enhancements at the start of 2026 added further strain, with the Congressional Budget Office projecting around 4 million people would lose coverage.