Texans living with medical debt, report says

State & Regional

FILE – This Jan. 22, 2020, file photo shows the likeness of Benjamin Franklin on $100 bills in Dallas. (AP Photo/LM Otero, File)


HOUSTON (KIAH) — Texas residents are struggling with growing medical bills. A survey by QuoteWizard.com found that over 22.7% of Texas residents have medical debt, and often owe $1,068 or more.

QuoteWizard, a LendingTree company, and one of the nation’s leading online insurance marketplaces released a new report on America`s struggle with rising medical debt.
Their health insurance analysts found that nationwide, nearly 15% of people have medical debt in collections often owing $770 or more.

“Our growing medical debt is a result of stagnant incomes, increasing healthcare costs and the ongoing pandemic. People are really struggling and the costs just keep going up,”

Nick VinZant, Sr. Research Analyst and Insurance Expert with QuoteWizard.

Key Findings:

  • Nearly 80 million Americans have medical debt.
  • Nationwide, people spend 11.7% of their income on medical costs.
  • The median medical debt in collections ranges from $450 in Hawaii to over $1,500 in Wyoming.

Medical Debt by State

  • State % of people with medical debt in collections % of people without insurance Median medical debt in collections
  • West Virginia 27.0% 9.6% $669
  • South Carolina 24.9% 15.8% $957
  • Louisiana 23.1% 11.9% $853
  • Texas 22.7% 24.0% $1,068
  • Oklahoma 22.7% 20.5% $1,176
  • North Carolina 20.8% 15.7% $708
  • Tennessee 20.5% 14.7% $996
  • Arkansas 20.0% 12.0% $662
  • Alabama 19.3% 15.5% $1,000
  • Missouri 19.3% 13.4% $877
  • Mississippi 19.2% 18.6% $866
  • Indiana 19.2% 11.0% $813
  • Nevada 18.7% 15.1% $909
  • Kentucky 18.6% 7.9% $501
  • Georgia 18.6% 18.9% $952


The study also found that even people without medical debt are spending a significant portion of their income on healthcare costs. On average, people spent 11.7% of their income on healthcare. In some states, that number is closer to 18%.

Ranking Disparity of Middle-Class Income and Health Insurance Costs

Rank State Out-of-pocket premiums and deductible cost 2019 average household income Total % of income towards health care costs per year

  • 1 Mississippi $7,864 $45,792 17.2%
  • 2 Louisiana $7,951 $51,073 15.6%
  • 3 Arkansas $7,402 $48,952 15.1%
  • 4 South Dakota $8,621 $59,533 14.5%
  • 5 Kentucky $7,470 $52,295 14.3%
  • 6 Tennessee $7,966 $56,071 14.2%
  • 7 North Carolina $8,091 $57,341 14.1%
  • 8 Arizona $8,364 $62,055 13.5%
  • 9 Oklahoma $7,312 $54,449 13.4%
  • 10 Florida $7,925 $59,227 13.4%

The toll of stagnant incomes, increasing healthcare costs, and the COVID-19 pandemic is having on Texas and the rest of the nation is all broken down in the new report.

(Information from CW39.com)

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