Rural‐urban differences in health care unaffordability

PURPOSE: To compare health care unaffordability in rural versus urban contexts while also examining the impact of sociodemographic/socioeconomic variables on this relationship. METHODS: We examined survey responses from the 2019-2021 National Health Interview Survey (n = 90,761). We conducted chi-squared tests comparing urban and rural subsamples and multivariable logistic regression analyses examining the associations between rurality and 3 measures of health care unaffordability while also including interactions between rurality and individual characteristics of respondents. FINDINGS: In bivariate analyses, compared to their urban counterparts, rural residents were more likely to report problems paying medical bills (15.0% vs 11.5%, P <.001) and being unable to pay medical bills (9.3% vs 7.1%, P < .001). In fully adjusted multivariable regression analyses, rural residents were significantly less likely than their urban counterparts to report being worried about paying medical bills (AOR: .915, CI: .871-.961, P < .001). We found significant interactions between rural residency and insurance type, age, income to poverty ratio, and race/ethnicity for the outcome of problems paying medical bills; and significant interactions between rural residency and income to poverty ratio and race and ethnicity for the outcome of being unable to pay medical bills. CONCLUSION: Rural residents report higher rates of 2 measures of health care unaffordability as compared to their urban counterparts. In multivariable logistic models, rural residency is not associated with higher rates of health care unaffordability; however, significant interactions exist between rural residency and individual variables demonstrating the heterogenous experiences of health care unaffordability based on these intersectional identities.