To further assess the financial impact of a child’s condition on his or her family, the survey asked whether their child’s condition or need had caused a financial problem for the family. It was reported that 21.6 percent of CSHCN have conditions that create financial problems for their families. Even though children from low-income families have lower out-of-pocket costs, these children are more likely as children from higher-income families to have conditions that result in self-reported financial problems (23.1 compared to 14.9 percent).

The financial burden appears to be greatest for the families of CSHCN who are uninsured. Nearly half (47.6 percent) of uninsured CSHCN live in families that reported a financial problem, compared to 21.0 percent of those with public coverage and 19.0 percent of those with private insurance.

Families of children whose conditions affect their abilities usually, always, or a great deal are also the most likely to report experiencing financial problems. More than one-third (38.5 percent) of children whose conditions usually or always affect their abilities live in families who report experiencing financial problems, compared to only 9.4 percent of children whose conditions never affect their abilities.

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