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Table 1 Demographic and Service-Use Profiles of Guarantors

From: Demographic and service-use profiles of individuals using the CarePayment program for hospital-related medical debt: results from a nationwide survey of guarantors

  Respondents
  # respondents % totala
Demographic Characteristics
Ethnicity (n = 989)
 Not Hispanic or Latino 929 93.9
 Hispanic or Latino 60 6.1
Race (n = 979)
 White 867 88.6
 African-American 48 4.9
 Multiracial 26 2.7
 Other (including Asian) 38 3.9
Education Level (n = 994)
 Less than high school 62 6.2
 High school graduate or equivalent 353 35.5
 Some college but no degree 309 31.1
 College graduate 199 20.0
 Postgraduate 71 7.1
Marital Status (n = 994)
 Married 632 63.6
 Living with partner 38 3.8
 Divorced 156 15.7
 Separated 12 1.2
 Widowed 78 7.8
 Never married 78 7.8
Household Composition
Dependent children 23 years of age or younger (n = 994)
 One child 142 14.3
 More than one child 250 25.2
No children 602 60.6
Number of family members living in the home, including respondent (n = 995)
 One 188 18.9
 Two 360 36.2
 Three 175 17.6
 Four or more 272 27.3
Employment Status (n = 998)
 Employed full-time 523 52.4
 Employed part-time 91 9.1
 Retired 223 22.3
 Disabled 76 7.6
 Other 85 8.5
Household Income (n = 856)
 Less than $20,000 153 17.9
 $20,000–$39,999 260 30.4
 $40,000–$59,999 225 26.3
 $60,000–$79,999 114 13.3
 $80,000–$99,999 60 7.0
 $100,000 or more 44 5.1
Health Insurance status of patient at time of debt (n = 995)
 Private Insurance through an employer/union 673 67.6
 Private Insurance purchased by guarantor 186 18.7
 Medicare 236 23.7
 Other 9 0.9
 Uninsured at time of service 44 4.4
Service Use Profile
Experience using CarePayment (n = 997)
 First time using CarePayment 714 71.6
 Have used CarePayment before 272 27.3
 Unsure 11 1.1
Amount of CarePayment Debt (n = 996)
 Less than $500 184 18.5
 $500–$999 274 27.5
 $1,000–$2,499 378 38.0
 $2,500 or more 160 16.1
Other medical debt being paid off over time within past 12 months (n = 986)
 Yes 588 59.6
 No 398 40.4
Approximate amount of other bills being paid off (n = 585)
 Less than $2,000 314 53.7
 $2,000 to less than $4,000 130 22.2
 $4,000 to less than $8,000 74 12.6
 $8,000 to less than $10,000 16 2.7
 $10,000 or more 25 4.3
 Don’t know 26 4.4
  1. aPercentages represent proportion of respondents that answered each question; percentages may not sum to 100 due to rounding