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The Hidden Lives of Workplace‐Insured Americans

the burning question...

When Americans with employer-sponsored health insurance delay care for financial reasons, what is the impact on their home and work lives?

Curious to uncover the truth, Paytient commissioned Nonfiction Research to conduct a study.

Here's what they found...

read the report

Who are ‘Workplace‐Insured Americans’?

noun:

Americans with employer-sponsored health insurance.

Nearly one fifth make more than $100,000

46% hold managerial positions or higher

A majority of respondents make more than the average American

What you'll find

1
Workplace-Insured Americans are struggling in ways they often don’t talk about to their closest friends
2
This struggle is bleeding into the workplace in ways that employers have no idea about
3
There may be ways to address this struggle, short of a healthcare revolution

Key study findings

For many, there is an assumption that if someone in the United States has a full-time salary and employer-sponsored health insurance then they can afford their own healthcare. The findings of this research suggest otherwise.

69M

Workplace-Insured Americans did not meet their single coverage deductible in 2023.

As a result

healthcare costs are falling predominantly onto employees.

40%

of Workplace-Insured Americans have delayed care due to how much it would cost them.

Of the 40% suffering with hidden pain...

Woman behind glass with rain looking out a window

black and white image of a person's eyes with curly hair

32%

delayed their regular visits and check-ups

25%

have still not gotten all of the care they needed

38%

said their health got worse by choosing delayed care

17%

said that treatment for the same condition became more expensive

Real stories of delayed care

“I had to glue a temporary crown in every day and that glue wasn’t exactly industrial glue or anything, it was one you got from Walmart.”

– Interviewee, to Nonfiction

“Both my parents died in their 40s from heart attacks. I had been having some chest pain and was ordered to have a stress test. I was told I would have to pay $250 up front. I still haven’t had the test.”

– A 42 year old Interviewee, to Nonfiction

black and white image of hands with palms up together

“I left work one day because my blood sugar was too high because I couldn’t afford my insulin, and then I ended up in the emergency room overnight.”

– Interviewee, to Nonfiction

Black and white photos of a shopping cart at a grocery

“For two years, I worked as a cashier at CVS ringing people up so I could afford my chronic care medication. I am an engineer with a masters degree, and I had to work a second job as a cashier.”

– Interviewee, to Nonfiction

“I kind of laughed to myself in misery when I was told how much it was. I was so depressed about it that all I could do was laugh because I didn’t know what other response I could do to this thing that wouldn’t make me feel like crap.”

– Interviewee, to Nonfiction

“I needed to get my tooth pulled but the out of pocket cost had me push it off for years. I suffered with pain and how I ate for years until I was able to get it done.”

– Interviewee, to Nonfiction

Woman and her cat looking out of a window

“I just hope there’s nothing seriously wrong because I would put off going to the emergency room or the doctor… I always think of the cost over my health.”

– Interviewee, to Nonfiction

1 in 6

Workplace-Insured Americans told us that their work has been affected because of a health issue they couldn’t afford to treat.

In fact

17% of Workplace-Insured Americans have left their jobs to afford better healthcare.

Employers lose on average

6.3 hrs

per employee per week

The cost of delayed care

is equivalent to billions of dollars per year for American employers. Read the study to see the breakdown.

Discover the hidden truth.

read the full report

Experience firsthand testimonials and explore comprehensive data to understand the toll delayed care takes on the lives of Workplace-Insured Americans and the companies they serve.

Turn insights into action

Join thousands of employers and brokers in the fight against delayed care.

Let’s keep in touch

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Discover the impact of HPAs

Discover how Health Payment Accounts (HPA) like Paytient are unlocking access to care for millions of Americans. HPAs encourage earlier treatment across the employee workforce.

Download report