CFED Scorecard

Financial Assets & Income

Outcome Measures

Income Poverty Rate

Asset Poverty Rate

Asset Poverty by Race

Asset Poverty by Gender

Asset Poverty by Family Structure

Liquid Asset Poverty Rate

Liquid Asset Poverty by Race

Liquid Asset Poverty by Gender

Liquid Asset Poverty by Family Structure

Extreme Asset Poverty Rate

Net Worth

Net Worth by Race

Net Worth by Income

Net Worth by Gender

Net Worth by Family Structure

Unbanked Households

Underbanked Households

Consumers with Subprime Credit

Borrowers 90+ Days Overdue

Average Credit Card Debt

Bankruptcy Rate

Policy Priorities

Tax Credits for Working Families

State IDA Program Support

Lifting Asset Limits in Public Benefit Programs

Protections from Predatory Short-Term Loans

Additional Policies

Income Tax Threshold

Tax Burden by Income

Prize-Linked Savings

Paperless Payday

Trend Indicators

Change in Net Worth

Change in Asset Poverty

Change in Liquid Asset Poverty

Businesses & Jobs

Housing & Homeownership

Health Care


CFED Assets & Opportunity Scorecard

Out-of-Pocket Medical Expenses


Percentage of medical expenses paid out-of-pocket, 2007.

States are not ranked on this measure due to insufficient data at the state level. For more information on our ranking methodology, see here.


For those with health insurance, the insurance provider pays the majority of their medical bills. However, patients are often still responsible for certain out-of-pocket expenses. An out-of-pocket expense is a non-reimbursable expense paid by a patient and can include any services that the plan does not cover or the plan's deductible. As health care costs rise, insurance carriers curtail the services that they cover and limit the amount that they are willing to pay for those services, resulting in an increase in cost burdens that fall on families and individuals. For those without insurance, all medical bills must be paid out-of-pocket. This measure provides the medical expenses paid out-of-pocket by both uninsured and insured individuals as a percentage of all medical expenditures in the state. High out-of-pocket expenses indicate a larger burden placed on the individual for health services.

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Out-of-Pocket Medical Expenses

StatePercent of Medical Expenses
Paid Out-of-Pocket (%)
United States  16.2% 
Alabama  15.4% 
Alaska  — 
Arizona  18.4% 
Arkansas  14.3% 
California  15.2% 
Colorado  17.6% 
Connecticut  14.4% 
Delaware  — 
District of Columbia  — 
Florida  16.9% 
Georgia  20.2% 
Hawaii  — 
Idaho  — 
Illinois  14.1% 
Indiana  18.6% 
Iowa  19.7% 
Kansas  18.5% 
Kentucky  15.1% 
Louisiana  19.6% 
Maine  — 
Maryland  13.4% 
Massachusetts  14.1% 
Michigan  14.0% 
Minnesota  18.3% 
Mississippi  12.4% 
Missouri  20.5% 
Montana  — 
Nebraska  — 
Nevada  20.0% 
New Hampshire  — 
New Jersey  15.9% 
New Mexico  — 
New York  16.0% 
North Carolina  13.3% 
North Dakota  — 
Ohio  14.9% 
Oklahoma  18.5% 
Oregon  19.5% 
Pennsylvania  14.9% 
Rhode Island  — 
South Carolina  22.0% 
South Dakota  — 
Tennessee  14.9% 
Texas  15.5% 
Utah  — 
Vermont  — 
Virginia  18.7% 
Washington  19.4% 
West Virginia  — 
Wisconsin  12.1% 
Wyoming  — 


Medical Expenditure Panel Survey (MEPS) -Household Component, Table 1. Rockville, MD: Agency for Healthcare Research and Quality, Center for Financing, Access, and Cost Trends, 2007.

"—" indicates that no data is available.

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