Hub-Altarum Data Brief No. 137 - Wisconsin Healthcare Affordability
Hub-Altarum Data Brief No. 137 - Wisconsin Healthcare Affordability
Hub-Altarum Data Brief No. 137 - Wisconsin Healthcare Affordability
Key Findings
A survey of more than 1,100 Wisconsin adults, conducted from June 22 to July 6, 2022, found that:
• Nearly 3 in 5 (59%) experienced at least one healthcare affordability burden in the past year;
• 4 in 5 (81%) worry about affording healthcare in the future;
• Lower-income respondents and respondents with disabilities are more likely to go without care
and incur debt due to healthcare costs; and
• Across party lines, respondents express strong support for government-led solutions.
Worry about affording healthcare, generally, was highest among respondents living in low-income
households, respondents of color and those living in households with a person with a disability (see
Table 1). More than 4 in 5 (85%) of respondents with household incomes of less than $50,000 per
year2 reported worrying about affording some aspect of coverage or care in the past year. Still, the
vast majority of Wisconsin respondents of all incomes, races, ethnicities and levels of ability statewide
are somewhat or very concerned.
Concern that health insurance will become unaffordable is also more prevalent among certain groups
of Wisconsin adults. By insurance type, respondents with coverage they purchase on their own most
frequently reported worrying about affording coverage, followed by those with Wisconsin Medicaid
(see Figure 1). However, those with Wisconsin Medicaid most frequently reported worrying about
losing their health insurance.
Table 1
Percent Worried or Very Worried, by Income, Geographic Setting, Race/Ethnicity and Disability Status
Any Healthcare Affordability Worry
Income
Less than $50,000 85%
$50,000 - $75,000 84%
$75,000 - $100,000 82%
More than $100,000 73%
Geographic Setting
Rural 82%
Non-Rural 81%
Race/Ethnicity
People of Color 86%
White 80%
Hispanic/Latinx 87%
Non-Hispanic/Latinx 81%
Disability Status *
Household Does Not Include a Person with at Least One Disability 78%
Household Includes a Person with at Least One Disability 87%
Source: 2022 Poll of Wisconsin Adults, Ages 18+, Altarum Healthcare Value Hub's Consumer Healthcare Experience State Survey
*Note: Respondents were asked if they or someone in their household identifies as having a disability or long-term health condition related to
mobility, cognition, independent living, hearing, vision and self-care.
Figure 1
Worry about Losing or Affording Health Insurance, by Coverage Type
100% Will Lose Health Insurance Will Not Be Able to Afford Health Insurance
80% 76%
69%
64%
60% 50%
40% 31% 43%
28%
20% 17%
0
Health insurance through Health insurance that I buy Medicare (coverage for Wisconsin Medicaid
my employer or a family on my own seniors and those with (coverage for low-
member's employer (not through my employer)* serious disabilities) income people)
Source: 2022 Poll of Wisconsin Adults, Ages 18+, Altarum Healthcare Value Hub's Consumer Healthcare Experience State Survey
*Note: Responses from people who buy health Insurance on their own numbered less than 100, the threshold to produce a reliable result. Use this
estimate with caution.
Those with household incomes between $75,000 and $100,999 reported the highest rates of worry
about affording health insurance coverage, followed closely by those earning between $50,000 and
$75,000 (see Table 2). Lower-income respondents reported the highest rates of worry about losing
their health insurance, although respondents in other income brackets were not far behind in rates
of worry. Rural respondents and those living in households with a person with a disability were more
likely to be concerned about losing health insurance specifically than their non-rural and non-disabled
counterparts (see Table 2).
Concerns about affording coverage exceeded fears about losing coverage across all income groups,
disability statuses, races/ethnicities, geographic settings and coverage types.
Table 2
Worry About Losing Health Insurance and Health Insurance Becoming Unaffordable, by Income,
Geographic Setting, Race/Ethnicity and Disability Status
Worry About Health
Worry About Losing
Insurance Becoming
Health Insurance
Unaffordable
Income
Less than $50,000 32% 63%
$50,000 - $75,000 25% 66%
$75,000 - $100,000 26% 67%
More than $100,000 27% 55%
Geographic Setting
Rural 32% 65%
Non-Rural 27% 61%
Race/Ethnicity
People of Color 41% 66%
White 26% 61%
Hispanic/Latinx 47% 76%
Non-Hispanic/Latinx 27% 61%
Disability Status
Household Does Not Include a Person with at Least One Disability 22% 59%
Household Includes a Person with at Least One Disability 43% 68%
Source: 2022 Poll of Wisconsin Adults, Ages 18+, Altarum Healthcare Value Hub's Consumer Healthcare Experience State Survey
Figure 2
Percent with Any Healthcare Affordability Burden in Prior 12 Months, by Income Group
100%
80%
62% 62%
60% 55% 52%
40%
20%
0
Less than $50,000 $50,000 - $75,000 $75,000 - $100,000 More than $100,000
Source: 2022 Poll of Wisconsin Adults, Ages 18+, Altarum Healthcare Value Hub's Consumer Healthcare Experience State Survey
Figure 3
Percent Who Went Without Care or Rationed Medicine Due to Cost in Prior 12 Months, by Income Group
100%
Went Without Care Rationed Medicine
80%
0
Less than $50,000 - $75,000 - More than Less than $50,000 - $75,000 - More than
$50,000 $75,000 $100,000 $100,000 $50,000 $75,000 $100,000 $100,000
Source: 2022 Poll of Wisconsin Adults, Ages 18+, Altarum Healthcare Value Hub's Consumer Healthcare Experience State Survey
Further analysis found that Wisconsin respondents ages 18-44 more frequently reported going
without care due to cost than respondents ages 45 and up (see Figure 4). Respondents ages 35-44
most frequently reported rationing medication due to cost, compared to other age groups.
Insurance Type
Across all insurance types, Wisconsin Medicaid respondents reported the highest rates of rationing
medication and going without care due to cost (see Table 3). Still, more than half of respondents with
employer-sponsored insurance and over one-third of respondents with Medicare reported going
without care due to cost.
Figure 4
Percent Who Went Without Care or Rationed Medicine Due to Cost in Prior 12 Months, by Age Group
100%
Went Without Care Rationed Medicine
80%
61% 63%
59%
60%
53%
42% 40%
40% 31%
27% 29%
24%
20% 13%
8%
0
18-24 25-34 35-44 45-54 55-64 65+ 18-24 25-34 35-44 45-54 55-64 65+
Source: 2022 Poll of Wisconsin Adults, Ages 18+, Altarum Healthcare Value Hub's Consumer Healthcare Experience State Survey
Table 3
Percent Rationed Care in Prior 12 Months, by Geographic Setting, Race/Ethnicity, Disability
Status and Insurance Type
Either Did Not Fill a Prescription,
Went Without Care Due
Cut Pills in Half or Skipped a Dose
to Cost
Due to Cost Concerns
Geographic Setting
Rural 55% 29%
Non-Rural 51% 24%
Race/Ethnicity
People of Color 56% 37%
White 51% 24%
Hispanic/Latinx 65% 35%
Non-Hispanic/Latinx 51% 24%
Disability Status
Household Does Not Include a Person with at Least
45% 19%
One Disability
Household Includes a Person with at Least One Disability 67% 38%
Insurance Type
Private Insurance: Either Health Insurance Through
My Employer or a Family Member’s Employer or Health 56% 27%
Insurance I Purchase on My Own
Medicare, Coverage for Seniors and Those with Serious 38% 17%
Disabilities
Wisconsin Medicaid, Coverage for Low-Income People 60% 32%
Source: 2022 Poll of Wisconsin Adults, Ages 18+, Altarum Healthcare Value Hub's Consumer Healthcare Experience State Survey
Figure 5
Percent Who Went Without Select Types of Care Due to Cost, by Ethnicity
Hispanic/Latinx Non-Hispanic/Latinx
Figure 6
Percent Who Went Without Select Types of Care Due to Cost, by Race
People of Color* White
Disability Status
Of all the demographic groups measured, respondents living in households with a person with a disability
reported the highest rates of going without care and rationing medication due to cost in the past 12
months. Sixty-seven percent of respondents in this group reported going without some form of care
and over one-third (38%) reported rationing medication, compared to 45% and 19% of respondents
living in households without a person with a disability, respectively (see Table 3). Respondents living in
households with a person with a disability also more frequently reported delaying or skipping getting
mental healthcare, addiction treatment and dental care, among other healthcare services, than those in
households without a person with a disability due to cost concerns (see Table 4).
Table 4
Percent Who Went Without Care Due to Cost, by Disability Status
Household Does Not Include Household Includes a Person With
a Person With at Least One
at Least One Disability
Disability
Avoided going to the doctor or having a
20% 37%
procedure done altogether
Those with disabilities also face healthcare affordability burdens unique to their disabilities—30% of
respondents reporting a disability in their household reported delaying getting a medical assistive
device such as a wheelchair, cane/walker, hearing aid or prosthetic limb due to cost. Just 7% of
respondents without a person with a disability (who may have needed such tools temporarily or may
not identify as having a disability) reported this experience.
Respondents living in households with a person with a disability had a similar disparity, with more than
half (59%) reporting going into debt or going without other needs due to medical bills, compared
to 28% of respondents living in households without a disabled member. Geographically, Wisconsin
respondents living in rural counties reported higher rates of going into debt or going without other
needs due to medical bills (40%) than respondents from non-rural counties (37%). In addition,
respondents on Wisconsin Medicaid reported the highest rate of financial burdens due to medical bills
(46%) compared to all other insurance types. However, 40% of respondents with private insurance
coverage also reported incurring medical debt, depleting their savings or going without other needs
due to medical bills.
DATA BRIEF NO. 137 • JANUARY 2023 PAGE 8
HEALTHCARE VALUE HUB
Table 5
Percent Who Incurred Debt, Depleted Savings and/or Sacrificed Basic Necessities Due to Medical
Bills in Prior 12 Months, by Income, Geographic Setting, Race/Ethnicity, Disability Status and
Insurance Type
Incurred Medical Debt, Depleted Savings and/or
Sacrificed Basic Needs Due to Medical Bills
Income
Personal Actions
Wisconsin respondents see a role for themselves in addressing healthcare affordability. When asked
about specific actions they could take:
• 48% of respondents reported researching the cost of a drug beforehand, and
• 78% said they would be willing to switch from a brand name to an equivalent generic drug if
given the chance.
When asked to select the top three personal actions they felt would be most effective in
addressing healthcare affordability (out of ten options), the most common responses were:
• 69%—Take better care of my personal health
• 38%—Research treatments myself, before going to the doctor
• 31%—Do more to compare doctors on cost and quality before getting services
However, 27% of respondents chose the response “There is not anything I can do personally to make
our health system better,” as one of their top three personal actions.
Government Actions
But far and away, Wisconsin respondents see government as the key stakeholder that needs to act
to address health system problems. Moreover, addressing healthcare problems is one of the top
priorities that respondents want their elected officials to work on.
At the beginning of the survey, respondents were asked what issues the government should address in
the upcoming year. The top vote getters were:
• 50%—Healthcare
• 47%—Economy/Joblessness
• 34%—Taxes
When asked about the top three healthcare priorities the government should work on, the top vote
getters were:
• 49%—Address high healthcare costs, including prescription drugs
• 38%—Preserve consumer protections preventing people from being denied coverage or charged
more for having a pre-existing medical condition
• 35%—Improve Medicare, coverage for seniors and those with serious disabilities
• 31%—Get health insurance to those who cannot afford coverage3
Of more than 20 options, Wisconsin respondents believe the reason for high healthcare costs is unfair
prices charged by powerful industry stakeholders:
• 74%—Drug companies charging too much money
• 70%—Hospitals charging too much money
• 64%—Insurance companies charging too much money
Table 6
Percent Who Agreed/Strongly Agreed, by Political Affiliation
Generally speaking, do you think of
Total yourself as…
The government should require drug companies to provide advance notice of 92% 92% 95% 87%
price increases and information to justify those increases.
The government should require insurers to provide up-front cost estimates to 91% 90% 94% 87%
consumers
The government should make it easy to switch insurers if a health plan drops your
doctor
91% 92% 95% 87%
The government should require hospitals and doctors to provide up-front cost
estimates to consumers
91% 91% 94% 88%
Authorize the Attorney General to take legal action to prevent price gouging or
unfair prescription drug price hikes
91% 92% 95% 86%
The government should expand health insurance options so that everyone can 90% 87% 95% 86%
afford quality coverage
The government should set standard prices for drugs to make them affordable 90% 87% 96% 87%
Source: 2022 Poll of Wisconsin Adults, Ages 18+, Altarum Healthcare Value Hub's Consumer Healthcare Experience State Survey
The high burden of healthcare affordability, along with high levels of support for change, suggest that
elected leaders and other stakeholders need to make addressing this consumer burden a top priority.
Moreover, the COVID crisis has led state residents to take a hard look at how well health and public
health systems are working for them, with strong support for a wide variety of actions. Annual surveys
can help assess whether or not progress is being made.
Notes
1. Of the current 52% of Wisconsin respondents who encountered one or more cost-related barriers to
getting healthcare during the prior 12 months, 18% did not fill a prescription, while 17% cut pills in half or
skipped doses of medicine due to cost.
2. Median household income in Wisconsin was $63,293 (2016-2020). U.S. Census, Quick Facts. Retrieved
from: U.S. Census Bureau QuickFacts: Wisconsin
3. Two in 3 (66% of) respondents said that they would consider using their tax forms to sign up for health
insurance if they or their family needed it. This high level of interest persisted across racial, ethnic and
income groups, with the highest levels of interest among respondents of color (70%), Hispanic/Latinx
respondents (72%) and those earning between $75,000 and $100,000 (75%).
4. This policy strategy has been implemented at the federal level through the 2020 No Surprises Act,
but state governments may issue their own policies to bring state statute in line with the federal law.
Importantly, unexpected medical bills resulting from ground ambulance services are not addressed by
the No Surprises Act.
Contact the Hub: 3520 Green Court, Suite 300, Ann Arbor, MI 48105
(734) 302-4600 | www.HealthcareValueHub.org | @HealthValueHub
Source: 2022 Poll of Wisconsin Adults, Ages 18+, Altarum Healthcare Value Hub's Consumer Healthcare Experience State Survey
Note: Percentages in the body of the brief are based on weighted values, while the data presented in the demographic table is unweighted, except for race/ethnicity data.
Altarum does not conduct statistical calculations on the significance of differences between groups in findings. Therefore, determinations that one group experienced a
significantly different affordability burden than another should not be inferred. Rather, comparisons are for conversational purposes. We do not report any estimates under
N=100 and a co-efficient of variance more than 0.30.