"That's concerning because the remainder does not have a tax-advantaged savings account that can help them shoulder the burden of those large deductibles," said first author Dr. Jeffrey Kullgren, associate professor of internal medicine at the University of Michigan.
Some 13% of older Americans have delayed seeking medical care because of cost concerns, the poll found, and 12% have skipped treatment because they couldn't afford it.Nearly 20% of older Americans were "not at all confident" about covering out-of-pocket health costs over the next year, the survey found.
Moreover, few accountholders are saving long-term by investing the funds. In 2020, only 9% of health savings account participants were investing their balance, the Employee Benefit Research Institute found. "As the money accrues, it can take some of the stress out of making difficult decisions about healthcare," Kullgren said.
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