Carolyn Hillegass

expert panel

Healthcare affordability remains one of the most persistent and complex challenges facing policymakers, providers and employers today. While coverage rates have improved in recent years, being insured does not always translate into affordable access. High deductibles, co-pays and other out-of-pocket expenses continue to create financial strain, particularly for lower-income and vulnerable populations who may technically have coverage but still struggle to use it. A Harvard analysis of rising health insurance premiums highlights how costs continue to increase for many Americans, particularly as enhanced subsidies expire, forcing more individuals to shoulder higher financial burdens. This dynamic not only limits access to timely care but also contributes to a cycle of delayed treatment and escalating healthcare spending. The challenge, then, is not simply reducing costs, but doing so in a way that improves access, maintains actuarial balance and avoids shifting financial burdens elsewhere. Insights from the Senior Executive Healthcare Think Tank—a curated group of leaders across patient experience, policy, workforce strategy and health technology—offer a nuanced view of how targeted reforms can do exactly that: deliver affordability where it is needed most without creating unintended consequences across the healthcare ecosystem.