The Price of Admission—the Financial Burden of Out-of-Pocket Hospital Costs for Children

Requiring hospital care can be stressful for children and their families, and this stress can continue after discharge when the hospital bill arrives. As documented by Carlton et al,1 out-of-pocket costs for children’s hospitalizations can be substantial. In their study of commercial claims for 183 780 non–birth-related hospitalizations from 2017 to 2019 for children aged 0 to 18 years measured in national MarketScan claims data, they found that the mean out-of-pocket cost per hospitalization was $1313 and exceeded $3000 for 14% of hospitalizations. Not surprisingly, children in high-deductible health plans had higher out-of-pocket costs per hospitalization. Relatedly, hospitalizations in the first part of the calendar year incurred higher out-of-pocket costs, presumably because annual deductibles had reset. More unexpectedly, children without chronic conditions had higher out-of-pocket hospitalization costs.

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