预防医疗债务：雇主的建议
该报告阐明了有关雇主关于健康保险的决定以及这些决定如何帮助塑造医疗债务危机的决定，解释雇主现在应采取的具体行动来减轻雇员的财务压力，同时提高生产率和保留。
56% of U.S. employees with employer-sponsored health insurance
report that liking their health coverage is a key factor in whether to stay at their current job.
26% of adults with employer-sponsored plans
are now considered underinsured.
Almost half of underinsured consumers with medical debt
report issues paying medical bills or medical debt.
Key Recommendations
输入成员的利益相关者顾问y Council, the Financial Health Network developed recommended actions and strategies for employers to help prevent medical debt among their workforce. Although each recommendation is effective as a stand-alone, employers can achieve the greatest impact by implementing them all.
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- 评估所有员工的健康保险负担能力。
- 对员工进行保险的基础知识，并预先解释自付费用的期望。
- Provide services or benefits that help employees manage health insurance out-of-pocket expenses.
- Offer insurance plans based on employees’ financial circumstances and healthcare needs.
Systems-Level Overview
Explore insights into the prevalence of medical debt and its effect on consumers, how medical debt functions as a social determinant of health and driver of health inequities, and opportunities for key players to prevent it.
Recommendations for Hospitals and Health Systems
Read about actionable strategies healthcare providers should take now to improve financial assistance and repayment programs, support informed patient decision-making, and proactively identify patients at risk for medical debt to target financial assistance.
Recommendations for Insurers
Discover opportunities insurance providers should seize now to help members navigate plan selection, understand key terminology, reduce out-of-pocket expenses, utilize preventive care, and improve administrative processes that affect customers.
More to Explore
Medical Debt Is Hurting Your Employees – Here’s How To Help
As the debt crisis deepens, investing in the financial health of their workforces can yield big benefits for both employers and employees.
How hospitals and health systems can help patients avoid medical debt
While the goal of the American health care system is to improve health and well-being, it triggers financial hardship for many people. One in five U.S. households have incurred medical debt, making it the most common form of unpaid bill for which consumers are contacted by debt collectors, and a reason why many people forgo getting the health care they need.
The Biden Administration Announces New Actions to Lessen the Burden of Medical Debt and Increase Consumer Protection
副总统卡马拉·哈里斯（Kamala Harris）宣布在四个地区进行改革，以减轻医疗债务的负担，使更多的美国家庭有机会蓬勃发展
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预防医疗债务：雇主的建议
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