America's Healthcare Crisis: Unpacking Rising Costs and Unequal Access

Sat Feb 07 2026 00:18:41 GMT+0200 (Eastern European Standard Time)

A deep dive into the complexities of the US healthcare system, revealing the struggles many Americans face with medical debt and rising costs—despite historical efforts at reform.

As healthcare costs soar, millions of Americans grapple with overwhelming medical bills. Personal stories highlight the pain and trauma inflicted by an inefficient system, where 40% of the population struggles to pay healthcare expenses. Despite bipartisan recognition of the issues, effective reforms remain a distant reality, leaving individuals like Jeff King and Stacy Cox to navigate a burdensome landscape fraught with uncertainty and financial distress. The situation raises critical questions about the future of healthcare in the US and the quest for a fair solution.

Jeff King was recovering from an unexpected procedure to fix his irregular heart rhythm when he received shocking news. The hospital had given him a $160,000 (£119,000) bill for the treatment. King, a former pastor, did not have standard health insurance from his employer, only a cost-sharing alternative plan that said it would not cover the procedure. It was pretty traumatic, said the 66-year-old from Lawrence, Kansas. Who knew that less than a one-day procedure in and out of the hospital could destroy us financially?

King is one of around 100 million people - or about 40% of Americans - who are estimated to struggle to pay off their medical and dental healthcare debt, according to recent data. The healthcare company King was a member of has previously said it's important that members understand its cost-sharing model and membership guidelines.

The US has one of the most expensive health systems in the world, with spending on health care estimated to reach $5.9 trillion (£4.3 trillion) in 2026, according to the Centers for Medicare and Medicaid Services. But despite spending twice as much per capita on healthcare compared with wealthier nations, the US has a lower life expectancy.

As costs have continued to grow, so have Americans' frustrations with the US healthcare system. In December of 2024, a gunman fatally shot UnitedHealthCare CEO Brian Thompson on a busy street in Manhattan. Supporters of the murder suspect celebrated, believing the act was a rebellion against the system.

For years, both Republicans and Democrats have recognized a need for reforms to a convoluted system, but they have struggled to come to a consensus on effective solutions.

President Donald Trump proposed his own solution with the Great Healthcare Plan, which includes sending citizens money directly to help pay for health insurance, amidst criticism about the lack of details on funding and specific measures.

The complexities of the US healthcare system create confusion for many. With overlapping systems ranging from Medicare to private insurance, healthcare can be both convoluted and costly. Millions are expected to lose their insurance coverage as a result of the end of COVID-19 subsidies, putting even more strain on families.

Against this backdrop, stories of personal medical debt and increasing healthcare costs illustrate a broken system that leaves many vulnerable, raising questions about whether reforms will emerge that genuinely address these issues.