美国的医疗债务和收款
Scott L Fulford1, Eric Wilson1
1Consumer Financial Protection Bureau, Office of Research, Washington, DC 20552, United States.
Health affairs scholar
|September 2, 2025
概括
美国36%的家庭有医疗债务. 积极的医疗收藏与信用报告数据不完全一致,强调在政策和研究方面需要谨慎区分.
科学领域:
- 健康经济学
- 消费者金融
背景情况:
- 医疗债务和收费是影响大部分人口的重大财务负担.
- 现有的医疗债务和收款估计差异很大,导致政策和研究的不确定性.
研究的目的:
- 使用相关调查和信用记录数据准确测量医疗债务和收款的普遍性和特点.
- 将自己报告的医疗债务和收款与向信用局报告的数据进行比较.
主要方法:
- 通过与受访者信用记录相关的2024年两项全国代表性调查.
- 收集有关医疗债务的直接调查数据, 并将其与信用局报告的医疗收款进行比较.
主要成果:
- 2024年,36%的美国家庭有医疗债务,21%的医疗账单已经过期,23%的医疗账单已经过期.
- 只有12%的个人有医疗收集在他们的信用记录,和5%有新的收集,与活跃的收集部分重叠.
- 医疗收费的平均总额为2456美元至7931美元.
结论:
- 医疗和牙科服务是家庭的主要信贷来源.
- 积极的医疗收集和信用报告收集是不同的,并不完全代表所有医疗债务.
- 未来的研究和政策必须仔细区分各种形式的医疗债务和收款.
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