December 10, 2009 09:05 ET

Out of Pocket Medical Spending up 39% for Those With Chronic Conditions, Confirms

ARROYO GRANDE, CA--(Marketwire - December 10, 2009) - confirms the findings of a recent study showing those with chronic medical conditions had to pay out an additional 39 percent more in expenses for the year of 2005 as compared with 1996.

The study, which was released in the January/February edition of Health Affairs, monitored conditions such as type 2 diabetes, hypertension, and high cholesterol among others to gather the information. By utilizing a government database the researchers were able to determine that self-reported out of pocket expenses increased by a whopping 39 percent between 1996 and 2005. In fact, on average the study showed that in 2005, average out of pocket spending on health care services was roughly $741 per person, as compared to just $427 in 1996.

The costs that were reported were costs such as co-payments, deductibles, coinsurance, and other similar charges that are not covered by family health insurance plans. The costs did not include medical insurance premiums. While it is a fact that the American population is indeed aging, it is not just the older generations that are being affected.

"Chronic conditions are more than just a health issue for the elderly. They are a household economics issue for every American," said Kathryn Ann Paez of the Center for Health Policy and Research at Social and Scientific Systems in Silver Spring, Md.

As the years in the study went by it became more commonplace to see adults have multiple chronic conditions. The numbers of those with three or more chronic conditions gained momentum to the tune of 17 percent for those 80 and older, 18 percent for those ages 65-70, 10 percent for ages 45-64, and 2 percent for ages 20-44, which represented a total gain across the board.

According to Paez and other researchers, it makes sense that the more chronic conditions a person has, the more out of pocket expenses they will incur. Paez and her colleagues also went on to remind everyone that the number of chronic conditions can be decreased significantly with a changing over to a more healthy lifestyle which would not only be a better way to live but would also be an effective way to significantly cut medical costs.

For additional information including family health insurance quotes, individual medical coverage quotes or a group medical quote Contact: Tom Carolan, at 877-812-5111 or online at has been in the business of providing individuals, families and businesses with affordable medical insurance solutions since 2001. By working with thousands of families to find affordable major medical insurance, has long understood the need for change in the health care system to improve the quality and cost of medical insurance for everyone.

Contact Information