Rethinking healthcare affordability: a call to employers

Improving health outcomes starts by improving financial resilience

In today’s economy, financial stress is hitting employees hard—especially when it comes to healthcare. Nearly 92% say medical bills impact their health, and over 1 in 4 delay care due to cost. Many haven’t set aside money for emergencies, and fear of high bills leads to avoidance or reliance on medical credit cards with hidden fees and high interest.

This isn’t just a financial issue—it’s a health equity issue. Black and Hispanic adults, the uninsured, and those in poor health are most likely to delay or skip care. Providers are also feeling the pressure. They're collecting less than half of what they’re owed, leading many to require upfront payments and putting more financial strain on patients.

The employer's role in building financial resilience

Employers have a powerful opportunity to break this cycle. By offering interest-free healthcare financing as a benefit, they can provide employees with the peace of mind to manage out-of-pocket healthcare costs. TempoPay is simple to implement, available outside of open enrollment, and requires minimal tech lift.

Building equity through access and affordability

Health equity isn’t just about access—it’s about affordable access. Without removing financial barriers, care remains out of reach for many. Employers and advisors can drive meaningful change by offering employee-centric, flexible financing that supports both health and financial stability.

Bottom line: When employees can afford care, everyone wins. Start with smarter, fairer financing options. Read more on this subject from David Kinsey, VP of Partnerships and Sales at TempoPay, in BenefitsPro.