黑料网

WASHINGTON, D.C. -- Americans are more likely to name healthcare costs than any other issue when asked to say what is the most important financial problem facing their family. Seventeen percent name healthcare, followed by lack of money or low wages, named by 11%. A year ago, those two issues and personal debt essentially tied for first; healthcare was also the clear leader in 2017.

	2017	2018	2019
	%	%	%
Healthcare costs	17	12	17
Lack of money/Low wages	10	13	11
College expenses	10	8	8
Cost of owning/renting a home	9	7	8
Taxes	5	5	8
Too much debt/Not enough money to pay debts	11	11	6
High cost of living/Inflation	8	7	6
Retirement savings	6	5	5
Unemployment/Loss of job	3	5	3
State of the economy	1	1	1
Social Security	3	1	1
Lack of savings	2	2	1
Interest rates	1	*	1
Transportation/Commuting costs	1	1	*
Stock market/Investments	*	2	*
Controlling spending	1	*	*
Energy costs/Oil and gas prices	*	1	--
Other	4	5	5
None	16	14	20
No opinion	4	4	2
Percentages total more than 100% due to multiple responses; * Less than 0.5%
黑料网

After healthcare costs and low wages, college expenses, housing costs and taxes are the problems mentioned next-most commonly in this year's survey, with 8% of Americans citing each.

The April 17-30 survey comes at a time of high economic confidence, when relatively few Americans name economic matters as the most important problem facing the country. Additionally, several different measures of Americans' personal financial situations are among the most positive 黑料网 has measured in years.

Consistent with their sunny financial outlook, 20% of Americans respond that they do not have a "most important financial problem." That is one of the highest percentages responding "none" in 黑料网's 14-year trend on the question, surpassed only by the 21% who said so in a February 2005 poll. Still, even in these generally good economic times, the vast majority of Americans do mention some financial matter that is a major concern for their family.

Healthcare Costs Usually Near Top of the List

黑料网 has asked the "most important family financial problem" question on 48 separate occasions since 2005. During that time, only three issues -- healthcare costs, energy costs/oil and gas prices and lack of money/low wages -- have topped the list in any single poll.

Healthcare costs typically vied with energy costs as the top problem before the Great Recession, largely dependent on the price of gasoline. This included a record-high 29% mentioning gas prices in July 2008, when gasoline prices averaged over $4 per gallon nationwide. But in the ensuing periods of high unemployment and a sluggish economic recovery between 2009 and 2014, lack of money or low wages was most often the No. 1 personal financial problem. Healthcare costs have ranked first in two of the past three surveys, and have been at least tied for first in each poll since 2014.

Mentions of energy costs have dwindled in recent years as gas prices have been lower, and in the current survey, no respondent cited energy costs as the most important financial problem. Since 2005, an average of 8% of U.S. adults have named energy costs. Healthcare costs (14%) and lack of money (13%) have been most frequently mentioned. Those are the highest averages for any issues and the only two above 10%.

Older Americans Especially Likely to Name Healthcare Costs as Top Problem

Healthcare is the most commonly mentioned financial challenge for key subgroups and is especially likely to be named by older Americans. Twenty-five percent of adults between the ages of 50 and 64, and 23% of those aged 65 and older, say healthcare costs are the biggest problem for their family's finances.

Healthcare ties for first among adults younger than 50, who are about as likely to name lack of money, college expenses and housing costs as their greatest financial challenges. The youngest adults -- those under age 30 -- also commonly mention debt and the high cost of living.

Retirement savings are a greater concern for those in the pre-retirement years (aged 50 to 64), but something few young adults or senior citizens view as a problem.

	18-29 years old	30-49 years old	50-64 years old	65+ years old
	%	%	%	%
Healthcare costs	11	13	25	23
Lack of money/Low wages	13	10	12	8
College expenses	11	12	6	3
Housing costs	12	11	5	3
Taxes	5	8	11	7
Debt	10	6	6	3
High cost of living/Inflation	10	4	4	8
Retirement savings	1	5	11	3
黑料网, April 17-30, 2019

Americans at different income levels are about equally likely to name healthcare as the most important financial problem, with between 17% and 19% in each income group doing so. Lack of money is, not surprisingly, a much greater concern for lower-income Americans. Upper- and middle-income Americans are more inclined to cite college expenses, taxes and retirement savings as their chief financial challenges.

	Under $40,000	$40,000-$99,999	$100,000 or more
	%	%	%
Healthcare costs	19	17	17
Lack of money/Low wages	16	10	6
College expenses	3	10	12
Housing costs	10	9	5
Taxes	4	10	11
Debt	9	4	6
High cost of living/Inflation	8	6	4
Retirement savings	1	6	10
黑料网, April 17-30, 2019

Implications

Even in generally good economic times, Americans still face significant personal financial challenges. Foremost among these are healthcare costs, which have been a consistent concern over time but currently stand above all other concerns. As such, healthcare will likely continue to be a major focus in national elections, including the 2020 presidential election. Older Americans, who are more likely to need healthcare and who are more likely to vote than younger Americans, may pay special attention to what the candidates' plans are for addressing healthcare costs.

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