Amy Niles, PAN Foundation

Healthcare costs, insurance barriers, and medical debt are preventing patients with chronic illnesses in the US from accessing essential treatments and medications. That’s according to the PAN Foundation’s Center for Patient Research State of Patient Access Report initiative.

, released in March, found patients living with chronic health conditions rated the overall state of healthcare access a C (75.2). Overall, more than one in five patients reported that prescriptions are not affordable (23%), and they find it difficult to pay for drugs (22%). In addition, a quarter of patients (25%) said their lives are greatly impacted by the financial toxicity of healthcare costs. It’s clear that change is needed.

Launched in 2024, the State of Patient Access Report gathers insights directly from adults with chronic health conditions through a nationwide survey conducted by The Harris Poll. Survey results are then synthesized and organized across five categories to develop an annual scorecard. Scores are calculated for the total patient population and for various subgroups to identify disparities in access to care.

In addition to an overall score,the 2025 report also highlights the aggregate scores for each category:

Relationship with healthcare professionals = B (84.3)

Affordability of prescription medications = B- (80.8)

Access to treatment through healthcare plans = D- (63.1)

1. Healthcare access and affordability isn’t getting better.

 Compared to the 2024 report, this year’s survey shows little progress in patient access. Most composite measures did not move materially between 2024 and 2025, with affordability of prescription drugs and financial toxicity declining. 

2. Having health insurance does not guarantee access.

Once again, access to treatment through healthcare plans earned a “D-,” the lowest overall grade across all categories. The score fell to an “F” for American Indian/Alaska Native, Hispanic, and LGBTQIA+ patients, highlighting continued differences in health outcomes.

3. Prescription affordability continues to be a challenge.

The Rx affordability score dropped from 82.3 in 2024 to 80.8 this year. Overall, 22% of patients struggled to pay for prescriptions, and 21% could not access needed medications due to cost.

4. Financial toxicity remains a serious issue for many.

 Sentiment fell to a “D+”, from a “C-” in 2024, with 25% of patients significantly affected by healthcare costs. Over half (56%) of LGBTQIA+ respondents reported high financial toxicity, nearly double that of non-LGBTQIA+ respondents (24%).

5. Medical debt is a leading concern among patients. 

New to this year’s report, questions related to the negative impacts of medical debt were included. Two in five respondents (40%) reported having medical debt, with an average of $729. Notably, medical debt is unevenly distributed, with patients of color averaging $983 in debt compared to $584 for patients identifying as white.

This year’s findings show that healthcare access remains a significant challenge for many Americans and there is urgent need for lasting policy solutions. Groups such as the PAN Foundation remain committed to working with policymakers, patients, healthcare professionals (HCPs), and patient advocacy organizations to help break down access barriers.

But we also encourage individual action in this effort, which could look like:

Contacting your policymakers to share your story and ask them to prioritize policies around access and affordability.

As patients, educating yourself about how to better navigate your healthcare journey and available resources.

As HCPs, talking with patients about their access and affordability challenges.

As patient advocacy organizations, keeping abreast of evolving patient opinion and experience, to further emphasize the access challenges they face.

Amy Niles is chief mission officer at PAN Foundation.

1. 2025 State of Patient Access Report. PAN Foundation. 

https://www.panfoundation.org/state-of-patient-access

Articles

A look at the prevailing factors impacting treatment access in 2025.

Healthcare Scorecard from Patients with Chronic Illness

There is no doubt that diversity of those who participate in clinical trials is of utmost importance, but, unfortunately, people of color, females, and those identifying as LGBTQ+ have historically been left out of them. This lack of diversity means we don’t learn enough about the impact potential treatments may have on these communities, meaning a treatment may not be as effective or safe for all communities.

 of nearly 5,000 adults across the US conducted by the PAN Foundation’s Center for Patient Research, more than half (61%) stated that they are interested in participating in a clinical trial in the future. However, when those who have never participated in a clinical study were asked why, the No. 1 reason for all populations is simply that no one had asked them to participate. Specifically, only 22% of people of color and 20% of LGBTQ+ adults say their healthcare provider (HCP) has discussed the option of a clinical trial with them.

Also of note, at least two-thirds report that they would consider participating in a clinical trial if their HCP would have encouraged them, or if they knew the findings would help people who look or identify like them. That’s why improving health literacy about clinical trials, for both patients and HCPs, is critically important. The PAN Foundation recently launched its "Opening Doors to Clinical Trials" national educational initiative,

 which offers three services, all working toward the goal of encouraging people from diverse communities to learn how clinical trials may help them.

Increasing health literacy with digital education.

 The content gives people the knowledge they need to better understand the basics of clinical trials, while also addressing medical mistrust and misconceptions, along with the urgent need for greater participant diversity.

An online clinical trial finder that removes barriers to trial access by providing a streamlined, user-friendly approach to searching for a trial.

Clinical trials can be difficult to navigate alone, which is why navigators can provide one-on-one help by addressing concerns and connecting patients with community resources that can help remove common barriers many may face when accessing clinical trials, such as transportation.

At PAN, we’re dedicated to ensuring everyone has equitable access to the healthcare they need, including clinical trials. We hope to debunk the perception that these communities are hard to reach when it comes to them. What we are finding is they aren’t hard to reach; instead, they are hardly reached. We all must work together to change that.

In 2025, we look forward to expanding our "Opening Doors" initiative event further. Our goal is to reach more patients nationwide, support HCPs with the tools they need to help their patients, expand collaborations with patient and provider groups, and continue to provide patients with real-time support to remove barriers to their access to care.

1. Opening Doors to Clinical Trials Survey: 2024 National Poll. PAN Foundation. 

https://www.panfoundation.org/app/uploads/2024/10/Opening-Doors-to-Clinical-Trials-Survey-2024.pdf

2. Opening Doors to Clinical Trials. PAN Foundation. 

https://clinicaltrials.panfoundation.org/

New engagement approaches can help drive treatment gains in underrepresented communities.


Closing the Health Literacy and Diversity Gaps in Clinical Trials

Many of the over 53 million people enrolled in Medicare Part D plans struggle to afford their out-of-pocket (OOP) prescription costs each year, sometimes leading them to delay or go without their needed medications. That’s why the Medicare Prescription Payment Plan (MPPP)—a new voluntary payment option going into effect Jan. 1, 2025—is such an important change that beneficiaries should be aware of.

Unfortunately, there has been limited public outreach and education on the MPPP, which is likely why a recent poll

 from the PAN Foundation’s Center for Patient Research found that nearly nine out of 10 people on Medicare are not aware of it.

Enacted into law through the 2022 Inflation Reduction Act, all Part D plans (both standalone and Medicare Advantage plans) must offer the opportunity for plan enrollees to opt-in to the program, which will spread their OOP drug payments throughout the year. And while it has the potential to make drug costs more affordable for many on Medicare, it is not for everyone.

The individuals most likely to benefit from the MPPP are those who: have faced $2,000+ in OOP costs during the first nine months of the year; have had a one-time prescription fill of at least $600; have difficulty affording one lump upfront payment for their prescription medications; opt-in to the program prior to or at the start of the plan year so there are more months for the costs to be spread out over; and are not eligible for assistance through the federal Extra Help Program and other assistance programs, such as those offered by charitable foundations.

Calculating monthly costs when participating in the MPPP is not straightforward. Monthly costs may vary based on prescription needs and when prescriptions are filled. The program also uses a formula that, each month, evaluates one’s current drug costs, previous months’ balance, and number of months left in the year. What is certain for patients, is by the time they get to Dec. 31, they will not have paid more than $2,000, due to the Part D cap also taking effect Jan. 1.

 allows patients to input their medication needs to calculate monthly costs. It is a good place to start when patients are deciding if the Medicare Prescription Payment Plan is right for them.

How will this new program change patient behavior?

Unlike the Medicare Part D cap, which is automatic, an individual on a Part D plan must opt-in to the MPPP to benefit from the opportunity to spread costs. The best way to opt-in to the program is by calling their Part D plans or requesting participation through their plans’ website. Anyone, regardless of their OOP drug costs, can participate.

When opting-in to the MPPP, patients will no longer pay for their prescriptions at the pharmacy counter. Instead, they will receive monthly bills from their Part D plans that highlight what is owed that month for their medications and when payment is due. Patients enrolled in the program will begin receiving two bills from their plans—one for their premium, and one for their medication costs.

The MPPP is good for patients, especially the few million who face high OOP costs for the medications they need to treat their serious illnesses. But like any major reform, the roll-out and implementation of the Plan may not be smooth and require us to ask the following questions, including but not limited to:

Are patients and healthcare providers aware of the MPPP? What additional outreach is needed?

Who are the patients opting-in to the MPPP, and how can we translate learnings to help boost participation?

In the meantime, let’s all do our part to educate the patients and healthcare providers about this important reform. The PAN Foundation recently launched a Medicare reforms educational campaign to do just that.

 And as 2025 brings big changes to the Medicare Part D program, the stakeholder community will be monitoring successes and opportunities for improvements.

1. . Most Patients Enrolled in Medicare Are Unaware of Upcoming Part D Changes. PAN Foundation. 

https://www.panfoundation.org/most-patients-enrolled-in-medicare-are-unaware-of-upcoming-part-d-changes/

2. Medicare.gov PlanFinder Tool. Mediare.gov. 

https://www.medicare.gov/plan-compare/#/?year=2025&lang=en

3. Everything You Need to Know About Medicare Reforms.

https://www.panfoundation.org/everything-you-need-to-know-about-medicare-reforms/

While the program could be a good option for many, it's not a panacea.

The Advantages of New Medicare Rx Payment Plan

To lower out-of-pocket (OOP) costs of prescription medications for people enrolled in Medicare and to reduce drug spending by the federal government, several key changes to the Medicare Part D benefit were made possible with the passage of the Inflation Reduction Act (IRA) in 2022. Two of the IRA’s most important provisions will go into effect on Jan. 1, 2025—a $2,000 cap on OOP drug spending for all individuals with a Part D plan, and the opportunity to opt-in to the Medicare Prescription Payment Plan and spread costs throughout the year. This program is being offered by Part D plan sponsors.

As a result of these Part D benefit changes and the increased financial burden on Part D plans, many are concerned about the unintended consequences on patients, such as the potential for increased Part D premiums. The IRA does address this concern by implementing a premium stabilization program, beginning this year through 2029, limiting increases in the Part D base beneficiary premium to 6% growth each year. For 2025, the base premium is $36.78, an increase of $2.08 or 6% over the 2024 base premium. It is important to note, however, that this 6% cap does not apply to individual premiums that plans charge. In fact, a recent analysis by Avalere illustrates that Part D Plan premiums are increasing by double digits.

An increase in Part D plan premiums of double digits has been reported by Medicare beneficiaries themselves. A recent national poll from the PAN Foundation’s Center for Patient Research finds that nearly one in three (28%) Medicare beneficiaries enrolled in Part D plans say the cost of the monthly premium for their prescription drug plan is higher in 2024 than it was in 2023.

Among those who reported an increase, 11% say their premiums increased 16% to 20%, while 10% say their premiums increased by more than 20%. Unfortunately, two in five (40%) of Medicare beneficiaries enrolled in Part D plans say they have financial difficulty affording the monthly premium for their prescription drug plan.

What can be done to stabilize premium growth and make costs more affordable for patients?

The annual open enrollment period (Oct. 15 – Dec. 7) presents an opportunity for Part D enrollees to compare plans for lower-priced coverage that meets their needs. According to the Kaiser Family Foundation,Medicare Advantage drug plans are anticipated to have lower monthly premiums than stand-alone drug plans.

The variability in monthly premium costs was a driving factor behind a new voluntary premium stabilization demonstration program announced in July by the Centers for Medicare & Medicaid Services (CMS) for stand-alone Part D plans. The demonstration program has three components for the plans that choose to participate:

It lowers the base beneficiary premium by $15 (or less if a $15 reduction would result in a plan premium of less than $0).

It limits total Part D premium increases to $35 between 2024 and 2025 (applied after considering the $15 reduction).

It offers enhanced protection by the federal government against the risk of losses for stand-alone plans.

Overall, this demonstration program hopes to stabilize the Part D plan market in the initial transition years of the IRA’s Part D benefit changes and to test whether the premium changes improve the efficiency and overall economics of the Part D benefit changes.

Finally, charitable foundations such as the PAN Foundation offer financial assistance to eligible individuals to help cover their insurance premium costs. As OOP costs for prescription medications start to decrease, but other costs, such as Part D plan premiums, continue to be a burden on Medicare beneficiaries, this kind of assistance will become even more important.

We all look forward to monitoring the implementation of CMS’s demonstration project and hopefully see that over time, premiums for stand-alone plans begin to stabilize, because swapping one high healthcare related cost for another won’t end up helping patients in the long run. 

1. Part D Premiums Increasing Despite Stabilization Program. Avalere. October 17, 2023. 

https://avalere.com/insights/part-d-premiums-increasing-despite-stabilization-program#:~:text=In%20a%20recent%20analysis%2C%20however,for%20the%202024%20plan%20year

2. National Polling: Medicare Patients Seeing Premium Costs Increase in 2024. PAN Foundation. March 29, 2024. 

https://www.panfoundation.org/national-polling-medicare-patients-seeing-premium-costs-increase-in-2024/

3. Cubanski, J.; Neuman, T. What to Know About Medicare Part D Premiums. KFF. August 1, 2024. 

https://www.kff.org/medicare/issue-brief/what-to-know-about-medicare-part-d-premiums/

Why looming benefit changes—and the resulting unintended consequences—are a concern for patients.