evidence: Uninsured individuals often face unaffordable medical bills when they do seek care. These bills can quickly translate into medical debt since most people who are uninsured have low or moderate incomes and have little, if any, savings. - Those without insurance for an entire calendar year pay for almost 40% of their care out-of-pocket.28 In addition, hospitals frequently charge uninsured patients higher rates than those paid by private health insurers and public programs.29, 30, 31, 32 - Uninsured nonelderly adults are much more likely than their insured counterparts to lack confidence in their ability to afford usual medical costs. Over eight in ten (85%) of uninsured nonelderly adults say they have difficulty affording health care costs, compared to 47% of adults with insurance (Figure 10).