Most healthcare spending comes from only five percent of patients
Finance
A tiny fraction of the population generates the vast majority of medical bills, creating a financial imbalance that fuels the modern insurance market.
In any given year, the healthiest half of the population accounts for only three percent of total healthcare spending. The real financial weight is carried by a small group of high-need individuals; just five percent of patients are responsible for half of all medical costs. This extreme concentration is the engine behind high-deductible health plans, which are designed to make people think like shoppers by forcing them to pay the first few thousand dollars of their care out of pocket.