Women Have Delayed Needed Care Due to High Costs
Nearly half of women in the U.S. have put off medical care in the last year because of rising financial barriers.
Updated on Sept. 23, 2026 in Women’s Health
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A new KFF report reveals that 42% of women ages 18 to 64 delayed or postponed necessary medical care over the past 12 months due to out-of-pocket costs. This financial strain has led many to cut back on basic needs, skip essential tests, or forgo prescribed medications.
Why it matters
Rising out-of-pocket expenses are forcing a significant portion of the female population to choose between their health and essential household needs. These findings highlight a growing trend in health care access challenges across various insurance types, including employer-sponsored and Medicaid plans.
In a survey of 4,688 women and 1,148 men, researchers found that 42% of women delayed medical care due to cost, compared to 35% of men. The study, which collected data from March to April 2026, also documented that 25% of women sacrificed basic necessities like food and electricity to pay for health expenses.
The players
KFF
A non-profit organization that conducts independent policy analysis, polling, and research on national health issues.
The details
The survey indicates that financial barriers impact women across all insurance categories, with 68% of uninsured women reporting delays in care, while 38% of those with employer-sponsored plans faced similar hurdles. These barriers often manifest as patients skipping recommended diagnostic testing or rationing medications by cutting pills in half to make prescriptions last longer. The persistence of these costs suggests a systemic issue where coverage does not always ensure access to affordable, timely treatment.
Timeline
March 11, 2026 – April 14, 2026: Survey data collection occurred.
September 23, 2026: The report findings were officially released.
Health Landscape
This data marks a departure from the intent of the 2010 Affordable Care Act to ensure reliable and affordable access to care for all Americans. It highlights a widening gap in the U.S. health system where rising premiums and out-of-pocket costs are complicating preventive care management.
If you are struggling to manage the cost of your medical care, speak with your doctor about generic alternatives or payment plan options. It is also worth reviewing your current insurance policy to identify any overlooked coverage gaps that may be contributing to your out-of-pocket expenses.
The takeaway
When medical costs become a barrier, it is critical to prioritize open communication with your health care providers. Ask your doctor for help navigating potential cost-saving measures or local resources before you decide to postpone recommended testing or treatment.
Further reading
For more on the current state of access and wellness, read our full Women’s Health section.
Source note: This article includes information reported by KFF.
Live Poll
Do you find it increasingly difficult to afford basic necessities while paying for health care costs?
