“Medical-debt issues often stem from routine care, including doctor’s office visits and treatment for chronic conditions,” says Sara R. Collins, a senior scholar at the Commonwealth Fund and one of the authors of the report. High deductibles are another common source. “People are just dealing with routine care and bills that build up over time.”
The study, which consisted of interviews among a nationally representative sample of more than 6,300 adults in 2025, also included analysis of focus groups in which people expanded on their experiences with health care. In the focus groups, many people expressed surprise at how high their medical…
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