Texans' Views on Health Policy and Experiences with Access and Affordability | 11
EXPERIENCES WITH HEALTH CARE AFFORDABILITY AND ACCESS
Health Insurance Coverage
Among Texans ages 18 to 64, 29 percent report being without health insurance and almost three-quarters
of those uninsured have been without health insurance for more than a year (73%). This is significantly lower
than the 35 percent who said they did not have health insurance in 2020 but similar to levels in 2019 (31%)
and 2018 (29%). In contrast 14 percent of adults nationwide are currently uninsured.
Affording Health Care and Medical Bills
Nearly half of Texans say it is somewhat or very difficult for them to afford health care (48%). More say they
have difficulty affording health care than who say food (29%), their rent or mortgage (38%), or monthly
utilities are difficult to afford (38%). The only cost outranking health care as at least somewhat difficult to
afford is gasoline and transportation costs, with 56 percent of Texans reporting that it is at least somewhat
difficult to afford this expense.
Moreover, one in three have had problems paying medical bills in the past year. More than half have skipped
or postponed some type of medical care due to the cost (59%). Skipping or postponing care due to cost
appears to be more prevalent in 2021 compared to 2020. In 2020, 53 percent reported skipping care due
to cost compared to the 59 percent who report the same in 2021. However, the rates for 2021 are similar
to 2019 (60%) and 2018 (61%). This difference between 2021 and 2020 estimates may be due to fewer
Texans seeking any type of medical care during the height of the COVID-19 pandemic in 2020. In 2021,
health care procedures and appointments that may have been postponed were able to occur again, but
Texans are still facing difficulties with affording care.
These issues with affordability are more common among those without health insurance. The vast majority
of uninsured Texans say it is at least somewhat difficult to afford healthcare (83%) compared to just 38
percent of insured Texans. Uninsured Texans are also more likely to report difficulty paying medical bills
(54%) compared to their insured counterparts (32%). About three-quarters of uninsured Texans skipped or
postponed medical care in the past 12 months (78%) compared to 56 percent of insured Texans.
Younger Texans are also more likely to have difficulty affording health care. Fifty-one percent of Texas adults
under age 65 report that it is somewhat or very difficult to afford health care compared to 32 percent of
adults aged 65 or older. Additionally, 39 percent of adults under 65 have had problems paying medical bills
compared to only 20 percent among those age 65 or older. Finally, 63 percent of adults under 65 have
skipped or postponed care due to the cost in comparison to the 42 percent of adults 65 or older who have
done the same.
Hispanic residents also have more trouble affording health care in Texas. Hispanic residents are more likely
to report that it is difficult to afford health care (58%) than White (41%) and Black (45%) residents. Hispanic
residents are also more likely to say they have had problems paying medical bills (41%) than White (32%)
residents (Table 1).