Most commercially insured patients live with chronic conditions

The majority (57.5 percent) of commercially insured patients had at least one chronic condition in 2024. The average allowed amount for a patient with no chronic conditions was $1,590, while the average allowed amount for a patient with one chronic condition was nearly double ($3,039). Of 44 common chronic conditions studied, hyperlipidemia, or high cholesterol, was the most common, with a crude prevalence of 21.2 percent. These and other findings are reported in a FAIR Health white paper released today: Chronic Conditions in the United States: A Study of Commercial Claims.

Chronic diseases or conditions are the leading cause of illness, disability and death in the United States. FAIR Health Atlas, an epidemiological reporting platform to be launched in 2026, uses FAIR Health’s repository of commercial…

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