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CT residents struggle with medical debt despite available financial aid

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Thursday, December 21, 2023   

Health care advocates said too often medical patients in Connecticut who are eligible for financial aid to help cover the cost of their care are not informed of the benefits available to them.

All hospitals in the state have some kind of policy offering discounted, even free medical care, but disparities persist in who is informed of the benefits and the documentation required.

Maanasa Kona, assistant research professor in the Center on Health Insurance Reforms at Georgetown University, said even eligible patients can end up saddled with medical debt, leading them to avoid needed medical care in the future.

"It just means that it snowballs and then they end up with bigger bills later," Kona observed. "Because they have to go into the emergency room because they haven't taken care of their primary health care needs."

Kona pointed out roughly 40% of Americans carry medical debt, and greater oversight is needed to ensure those who need financial medical aid receive it.

Experts noted medical debt often spirals as individuals use credit cards or bank loans to pay their bills. Connecticut is one of just five states to prevent interest from accruing on medical debt, but Kona stressed until health care becomes more affordable, patients will continue to face aggressive debt collectors, liens on their paychecks and impacts on their credit scores.

"All of this is stemming from high and rising health care prices," Kona asserted. "People's exposure to medical debt is rising because of rising health care prices."

Gov. Ned Lamont proposed using $20 million in federal pandemic aid to cancel medical debt for thousands of families earlier this year but the measure was ultimately excluded from the budget.


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