North Carolinians pay more than many Americans for health care, and the state ranks 38th nationally in health care access and affordability, according to a 2025 Commonwealth Fund scorecard.
A RAND study found North Carolina had the nation’s 15th highest overall hospital prices.
Gov. Josh Stein announced the North Carolina Health Care Affordability Commission earlier this summer to recommend ways to reduce costs. At its first meeting this week, members reviewed national and state data on the scale of the problem.
Barak Richman, co-director of the Health Law Program at George Washington University Law School, told the bipartisan commission that the United States spent $5.3 trillion on health care in 2024, more than other wealthy countries.
“It’s important to say that we are no healthier. In fact, we are actually less healthy than those [other] industrial nations,” Richman said.
About 1 in 6 U.S. adults skipped health care because of cost, according to an analysis by KFF. Richman said employers increasingly struggle to offer insurance, and premiums for workers have risen faster than inflation since 2013.
He said 8% of North Carolinians had medical debt in collections in 2023, the fourth-highest rate in the country.
“In 2023, 8% of North Carolinians had medical debt in collections. It’s not just that they had medical debt, but that they were contacted by a court saying that they were being sued for a collection,” Richman said.
Richman said hospital care and physicians account for 65 cents of every health care dollar spent, and costs tend to rise when prices are difficult to compare.
“You don’t have price competition if patients can’t compare prices,” said Richman.
Members are also reviewing Indiana’s recent cost-control efforts. State lawmakers there codified the federal hospital price transparency rule, required third-party administrators and pharmacy benefit managers to act as fiduciaries, banned excess hospital fees, prohibited noncompete clauses for primary care, and required merger reports to the state attorney general. Gov. Mike Braun also signed an executive order denying tax exemptions to hospitals that provide less charity care than the value of their state tax breaks.
The commission will meet again in October to decide which areas to prioritize. It is scheduled to deliver recommendations to Stein in January 2027.