Original Investigation

Role of Chronic Conditions in Out-of-Pocket Costs for Preventive Care in the US

JAMA Network Open 10.1001/jamanetworkopen.2025.53157

January 08, 2026 at 11:00 AM EST

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Are patients with chronic conditions equally protected from out-of-pocket (OOP) costs for preventive care under the cost-sharing exemptions mandated by the Patient Protection and Affordable Care Act’s (ACA)?In this propensity score–matched cohort study of more than 1 million privately insured US patients, those with ambulatory care–sensitive conditions had a 19.20% higher likelihood of cost-sharing for preventive services and 20.69% greater expected OOP spending compared with patients without any chronic conditions.Patients with chronic conditions faced increased preventive care costs, implying that improved compliance with ACA cost-sharing exemptions may reduce financial burdens and disparities in preventive care access.

Corresponding Author: Alex Hoagland, PhD, Institute of Health Policy, Management, and Evaluation, Dalla Lana School of Public Health, University of Toronto, 155 College St, Ste 440, Toronto, ON M5T 3M6, Canada (alexander.hoagland@utoronto.ca).

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