People avoiding needed medical care due to concerns about costs has been a problem for several years. A 2019 survey by the Physicians Advocacy Institute (PAI) found patients avoiding care due to an inability to afford covering deductibles under their HDHPs.

A KFF poll now suggests that up to 50% of the public have either avoided or postponed medical care due to concerns about the COVID-19 pandemic, further exacerbating an already-serious problem. Avoiding care results in higher overall healthcare costs, as the delay makes treatable conditions more costly to treat

Americans spend a huge amount on healthcare every year, and the cost keeps rising. In part, this increase is due to government policy and the inception of national programs like Medicare and Medicaid. There are also short-term factors, such as the 2020 financial crisis, that push up the cost of health insurance. The average increase in individual health insurance has been about 4.5% per year for the past five years.

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