NEW FOR 2025
Critical facts about critical illness
Insurance premiums and deductibles
Annual premiums for employer-sponsored family health coverage reached $23,968 this year, with workers on average paying $6,575 toward the cost of their coverage. 1
The average deductible among covered workers in a plan with a general annual deductible is $1,735 for single coverage. 1
The average per-day hospital cost in the U.S. is $2,883 , with the average hospital stay at 4.6 days = $13,262 . 2
Heart attack • In the United States, someone has a heart attack every 40 seconds . 3 • Every year, about 805,000 people in the United States have a heart attack. 3 • Of these, 605,000 are a first heart attack. 3 • 200,000 occur to those who have already experienced at least one heart attack. 3 • About 1 in 5 heart attacks are silent — the damage is done, but the person is not aware of it. 3 • The direct medical costs of a heart attack include emergency room visits, hospitalization, surgical procedures such as angioplasty or bypass surgery, medications and follow-up care. 4 • According to the American Heart Association, the average cost of a heart attack in the United States is estimated to be over $20,000 . The actual costs can vary widely depending on factors such as the severity of the heart attack, the type of treatment required and the location of the medical facility. 4 Stroke • Every year, more than 795,000 people in the United States have a stroke. • About 610,000 of these are first or new strokes. • About 185,000 strokes — nearly 1 in 4 — are in people who have already had a stroke. 5 • On average, the direct medical costs of a stroke in the United States can range from $30,000 to $120,000 per patient , depending on the severity and complications. This includes hospitalization, diagnostic tests, medications and rehabilitation services. The initial hospital stay alone can cost tens of thousands of dollars, as stroke patients often require specialized care in intensive care units. 6 Expenses can quickly add up, placing a significant financial burden on individuals and their families.
Coronary artery bypass grafting • Cardiac bypass is the most common type of heart surgery performed on adults in the United States. More than 300,000 have successful bypass surgery in the U.S. each year. 7 • What’s not common is finding two patients who have paid the same amount for the procedure. As with most health services, the price paid for bypass surgery depends largely on the facility performing the operation and the region of the country where it’s located. The cost will also depend on any complications involved. • According to Debt.org, the average cost of heart bypass surgery in the United States is $123,000 . 2 This does not cover the costs of any physical therapy or medications that may be needed post-surgery.
Half (50%) of Americans could not cover an out-of-pocket expense of $1,000, up from 46% in 2021. 8
66.5% of bankruptcies are caused directly by medical expenses, making it the leading cause of bankruptcies. 9
Contact your Aflac benefits representative to find out how Aflac can help.
1 023 Employer Health Benefits Survey. KFF. Published 10/18/23. https://www.kff.org/health-costs/report/2023-employer-health-benefits-survey/. Accessed 3/6/24. 2 Hospital and Surgery Costs. Debt.org, November 30, 2023. https://www.debt.org/medical/hospital-surgery-costs/ 3 CDC, Heart Disease Facts. https://www.cdc.gov/heartdisease/facts.htm 4 The True Cost of a Heart Attack in the US. Resolve, Personal Finance. October 2023. https://www.resolvemedicalbills.com/blog/the-true-cost-of-a-heart-attack-in-the-us#:~:text=Direct%20Medical%20 Costs%20Associated%20with%20Heart%20Attacks&text=These%20expenses%20can%20quickly%20add,estimated%20to%20be%20over%20%2420%2C000. Accessed 1/25/24. 5 CDC, Stroke Facts. https://www.cdc.gov/stroke/facts.htm 6 The True Cost of a Stroke in the US. Resolve, Personal Finance. October 2023. https://www.resolvemedicalbills.com/blog/the-true-cost-of-a-stroke-in-the-us#:~:text=On%20average%2C%20the%20 direct%20medical,%2C%20medications%2C%20and%20rehabilitation%20services. Accessed 1/25/24. 7 Coronary Artery Bypass Grafting. Cedars Sinai. https://www.cedars-sinai.org/health-library/diseases-and-conditions/c/coronary-artery-bypass-grafting.html#:~:text=Overview,coronary%20bypass%20or%20 bypass%20surgery. Accessed 2/23/24. 8 The 2022-2023 Aflac WorkForces Report is the 12th annual Aflac employee study examining benefits trends and attitudes. Conducted by Kantar on behalf of Aflac, the employer survey took place online between Sept. 7, 2022, and Sept. 22, 2022, and the employee survey took place online between Aug. 31, 2022, and Sept. 20, 2022. The survey captured responses from 1,200 employers and 2,001 employees across the U.S. in various industries. 9 RetireGuide®, 49+ US Medical Bankruptcy Statistics for 2023. https://www.retireguide.com/retirement-planning/risks/medical-bankruptcy-statistics/#:~:text=66.5%25%20of%20bankruptcies%20are%20 caused,the%20year%20because%20of%20it. In Arkansas, Policies A74100ARR, A74200ARR, A74300ARR. In Delaware, Policies A74100DE, A74200DE, A74300DE. In Idaho, Policies A74100ID, A74200ID, A74300ID. In Oklahoma, Policies A74100OK, A74200OK, A74300OK. In Oregon, Policies, A74100OR, A74200OR, A74300OR. In Pennsylvania, Policies A74100PA, A74200PA, A74300PA. In Texas, Policies A74100TX, A74200TX, A74300TX. In Virginia, Policies A74100VA, A74200VA, A74300VA. This is a brief product overview only. Coverage may not be available in all states, including but not limited to AZ. NJ or NY. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Plans and riders may also contain a waiting period. Refer to the exact plans and riders for benefit details, definitions, limitations and exclusions. For availability and costs, please contact your local Aflac agent/producer. Limitations & Exclusions for Virginia: A. Aflac will not pay benefits for any claims incurred during the first twelve months for Pre-existing Conditions. B. Aflac will not pay benefits for any Loss that is diagnosed or treated outside the territorial limits of the United States or its possessions. C. Aflac will not pay benefits whenever coverage provided by this policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. D. For any benefit to be payable, the Loss must occur on or after the Effective Date of coverage and while coverage is in force. If more than one Specified Health Event per Covered Person occurs on the same day, only the highest eligible benefit will be paid. E. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage. F. This policy does not cover Losses or confinements caused by or resulting from: 1. Participating in, or attempting to participate in, an illegal activity that is defined as a felony (“felony” is as defined by the law of the jurisdiction in which the activity takes place); 2. Intentionally self-inflicting a bodily Injury or committing or attempting suicide, while sane or insane; 3. Having elective surgery that is not Medically Necessary within the first 12 months of the Effective Date of coverage; or 4. Being exposed to war or any act of war, declared or undeclared, or actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Reserve. (Aflac will upon receipt of written notice of military service, refund all premiums as is applicable to such persons on a pro rata basis.) Coverage is underwritten by American Family Life Assurance Company of Columbus. Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999 Z2400353 Exp 5/25
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