Medical debt.

Despite progress made to ensure Americans have access to health insurance through the Affordable Care Act, a coverage gap remains, and health plans do not always guarantee affordable or timely access to care.

This is according to the Commonwealth Fund’s 2024 Biennial Health Insurance Survey, which found 1 in 5 respondents have been uninsured at some point during the past year and nearly a quarter have been underinsured, or enrolled in plans with high out-of-pocket costs that make it difficult to afford care. Among the underinsured, two-thirds had coverage through an employer, 14% had individual or marketplace plans, and 11% were enrolled in Medicaid.

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