Uninsured Heart Attack Patients Delay Emergency Treatment
Author: JAMA and Archives Journals
Published: 2010/04/13 - Updated: 2026/02/04
Publication Details: Peer-Reviewed, Data & Statistical Analysis
Category Topic: Insurance - Related Publications
Page Content: Synopsis - Introduction - Main - Insights, Updates
Synopsis: This research, published in JAMA and based on peer-reviewed findings from a registry of 3,721 acute myocardial infarction patients across 24 U.S. hospitals, provides critical evidence on how insurance status affects emergency medical decisions. The study demonstrates that uninsured patients and those with insurance but financial concerns about accessing care experience significantly longer pre-hospital delay times when experiencing heart attack symptoms, with nearly half of uninsured patients waiting more than six hours before seeking treatment compared to just over one-third of insured patients without financial worries. This information proves particularly relevant for people with disabilities and seniors who face higher cardiovascular risks and often encounter insurance coverage challenges, as the data directly links financial barriers to delayed emergency care and potentially worse health outcomes during life-threatening cardiac events - Disabled World (DW).
Introduction
Heart Attack Patients Without Health Insurance Delay Care
Patients who do not have health care insurance, or those with insurance but financial concerns about accessing health care, are more likely to delay seeking emergency care for a heart attack, according to a study in the April 14 issue of JAMA.
Although health care insurance status has been shown to affect use of preventive screening and chronic care, little is known about how this status affects decisions to seek care during an emergency medical condition, such as an acute myocardial infarction (AMI; heart attack). Also, studies have not examined whether financial concerns from the patient's perspective about accessing medical care in those with health care insurance is associated with pre-hospital delays, according to background information in the article.
"Because pre-hospital delays are associated with higher AMI morbidity and mortality, demonstrating that patients with no insurance or those with insurance but reporting financial concerns about accessing care are at higher risk for pre-hospital delays is important because it would suggest that reducing financial barriers to care, perhaps through expansion of benefits or health insurance coverage, could reduce delays and improve outcomes," the authors write.
Main Content
Kim G. Smolderen, Ph.D., of Tilburg University, Tilburg, the Netherlands, and colleagues examined the association between lack of health insurance and financial concerns about accessing care among those with health insurance and the time from symptom onset to arriving at the hospital. The researchers used a registry of 3,721 AMI patients enrolled between April 2005 and December 2008 at 24 U.S. hospitals.
Health insurance status was categorized as insured without financial concerns, insured but have financial concerns about accessing care, and uninsured. Insurance information was determined from medical records while financial concerns among those with health insurance were determined from structured interviews. Pre-hospital delay times were categorized as 2 hours or less, between 2-6 hours, or greater than 6 hours. These times were adjusted for various demographic, clinical, and social and psychological factors.
Of the 3,721 patients in the study group, 2,294 were insured without financial concerns (61.7 percent), 689 were insured but had financial concerns about accessing care (18.5 percent), and 738 were uninsured (19.8 percent).
Among those with insurance reporting financial concerns, 82.8 percent reported having avoided medical care, 55.6 percent reported having avoided taking medications and 12.8 percent reported having had difficulty obtaining health care services due to costs.
Regarding delays in arriving at the hospital, a greater proportion (36.6 percent) of insured patients without financial concerns arrived within 2 hours of symptom onset compared with 33.5 percent of insured patients with financial concerns and 27.5 percent of uninsured patients.
"Conversely, a smaller proportion (39.3 percent) of insured patients without financial concerns arrived more than 6 hours from symptom onset compared with 44.6 percent of insured patients with financial concerns and 48.6 percent of uninsured patients," the authors write.
After adjustment for various factors, pre-hospital delays were associated with insured patients with financial concerns and with uninsured patients.
"These findings underscore important consequences from inadequate health care insurance coverage for the substantial number of individuals in the United States experiencing AMIs. The data also suggest that efforts to reduce pre-hospital delay times may have limited impact without first ensuring that access to health insurance is improved and financial concerns are addressed in patients who seek emergency care," the authors write.
The authors add that it is likely that uninsured patients and insured patients with financial concerns about accessing care not only delayed seeking care for AMI, but also delayed care for other common medical conditions, such as stroke, pneumonia, and appendicitis.
"As a result, interventions that broaden and ensure the affordability of health insurance coverage in the United States may reduce times to presentation for all emergent medical conditions."
Insights, Analysis, and Developments
Editorial Note: The implications of this research extend far beyond heart attack patients alone. When financial considerations cause people to hesitate during medical emergencies, the consequences can be fatal - and the problem likely affects stroke, pneumonia, and other urgent conditions where minutes matter. The findings raise an uncomfortable question about American healthcare: if insured patients with financial concerns behave similarly to uninsured patients when facing a heart attack, what does that say about the adequacy of current coverage? As healthcare policy continues to evolve, this study serves as a stark reminder that insurance cards mean little if people are too worried about bills to use them when their lives are on the line - Disabled World (DW).Attribution/Source(s): This peer reviewed publication was selected for publishing by the editors of Disabled World (DW) due to its relevance to the disability community. Originally authored by JAMA and Archives Journals and published on 2010/04/13, this content may have been edited for style, clarity, or brevity.