<p>典型的美国家庭消费者单位在健康保险保费上自掏腰包支付了多少？从 1984 年到 2024 年，这一数字发生了怎样的变化？</p>
<p>年度消费者支出调查是获取此类信息的主要来源，详细说明了美国消费者单位的支出情况。如果你还不知道这个奇特的表达，&#34;消费者单位&#34;是美国劳工统计局的数据分析师对接近但不完全等同于家庭的美国家庭的亲切称呼。值得一提的是，2024 年的&#34;消费者单位&#34;由 2.4 人组成，而家庭则由 2.54 人组成。由于这个差异非常小，我们就称其为&#34;家庭消费者单位&#34;。</p>
<p>在 2024 年，平均美国家庭消费者单位在一年内的所有消费支出为 78,535 美元。平均而言，该家庭消费者单位在 2024 年自掏腰包支付了 4,055 美元，约占其总支出的 5.2% 用于健康保险。</p>
<p>我们的第一张图表追踪了 1984 年至 2024 年间健康保险自掏腰包支出的整体趋势变化：</p>
<p><img src="https://imageproxy.pbkrs.com/https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh56_-tSnZqDPJXXOyQGckRg65R3RL11s_UM-x-760RmeCfKBoLKWUNyN5cMeOxzUHvDfeVLdeztdO2wNyXCqF1ab1n6LaW78sDnsk6OUrgYh0Grk4d_IFTNA8afqRjlqj4BsumF2yRtbNhY8q_LM9sc1I-t_76iHsZoap1fkmyjhgUvzY6OISw/s1600/average-annual-health-insurance-expenditures-per-household-consumer-unit-1984-2024.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="910" height="661" original-src="https://imageproxy.pbkrs.com/https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh56_-tSnZqDPJXXOyQGckRg65R3RL11s_UM-x-760RmeCfKBoLKWUNyN5cMeOxzUHvDfeVLdeztdO2wNyXCqF1ab1n6LaW78sDnsk6OUrgYh0Grk4d_IFTNA8afqRjlqj4BsumF2yRtbNhY8q_LM9sc1I-t_76iHsZoap1fkmyjhgUvzY6OISw/s1600/average-annual-health-insurance-expenditures-per-household-consumer-unit-1984-2024.png"/></p>
<p>自 2010 年实施《平价医疗法案》（ACA）以来，美国人在健康保险上的支出并没有减缓。该法律旨在&#34;降低健康保险的成本曲线&#34;，但未能实现。</p>
<p>我们的第二张图表关注 2008 年至 2024 年间的更近期历史，在这里，我们追踪自 2008 年以来医疗费用的变化。</p>
<p><img src="https://imageproxy.pbkrs.com/https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaQeIz7ib9GAGY2Xk-U6trVUTn38t_Idr3ys0NcRyOfCWxDRN496iH8eUEzhxi0RYvKJcBoeqc3Sb8fuoAA8mK97Gk0yxecvcenQd3suTdcpA7mQJC4WHfzgyyV22BvycoygiSkyn68hJUcoBZ7NQBM-kzdlFrqMvHKCCplqAYsOFYf9yBocNl/s1600/change-in-average-annual-health-insurance-expenditures-per-household-consumer-unit-2008-2024.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="910" height="661" original-src="https://imageproxy.pbkrs.com/https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaQeIz7ib9GAGY2Xk-U6trVUTn38t_Idr3ys0NcRyOfCWxDRN496iH8eUEzhxi0RYvKJcBoeqc3Sb8fuoAA8mK97Gk0yxecvcenQd3suTdcpA7mQJC4WHfzgyyV22BvycoygiSkyn68hJUcoBZ7NQBM-kzdlFrqMvHKCCplqAYsOFYf9yBocNl/s1600/change-in-average-annual-health-insurance-expenditures-per-household-consumer-unit-2008-2024.png"/></p>
<p>我们发现，健康保险的成本增长速度远快于美国人在医疗服务、药品和医疗用品上的自掏腰包支出。自拜登政府在 2021 年释放高通胀以来，所有这些费用都在上升，但健康保险的增长幅度最大。</p>
<h3><strong>参考文献</strong></h3>
<p>美国劳工统计局。消费者支出调查。多年度表格。[PDF 文档：1984-1991，1992-1999，2000-2005，2006-2012，2013-2020。Excel 电子表格：2021-2024]。参考网址：https://www.bls.gov/cex/home.htm。2025 年 12 月 19 日。</p>
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<p>在 2024 年，平均美国家庭消费单位在健康保险保费上的支出为 4,055 美元，占总支出的约 5.2%。这标志着自 1984 年以来，自付费用的持续增加，尽管《平价医疗法案》旨在降低成本。从 2008 年到 2024 年，健康保险费用的增长速度显著快于其他医疗费用，自 2021 年以来的通货膨胀加剧了这一情况。消费者支出调查提供了对这些趋势的详细洞察</p>

<p>How much is the typical American household consumer unit paying out of pocket for health insurance premiums? And how has that changed from 1984 through 2024?</p>
<div class="lb-trans"><p>典型的美国家庭消费者单位在健康保险保费上自掏腰包支付了多少？从 1984 年到 2024 年，这一数字发生了怎样的变化？</p>
</div><p>The annual Consumer Expenditure Survey is the go-to source for this kind of information, detailing how American consumer units spend money. &#34;Consumer units&#34;, if you weren't already aware of this peculiar expression, is the Bureau of Labor Statistics' data jocks' affectionate nickname for American households that are close to, but not quite equivalent to, households. For what it's worth, the most basic difference is that a &#34;consumer unit&#34; in 2024 consisted of 2.4 people, but a household consisted of 2.54 people. Because that difference is very small, we'll just call it a &#34;household consumer unit&#34; and run with it.</p>
<div class="lb-trans"><p>年度消费者支出调查是获取此类信息的主要来源，详细说明了美国消费者单位的支出情况。如果你还不知道这个奇特的表达，&#34;消费者单位&#34;是美国劳工统计局的数据分析师对接近但不完全等同于家庭的美国家庭的亲切称呼。值得一提的是，2024 年的&#34;消费者单位&#34;由 2.4 人组成，而家庭则由 2.54 人组成。由于这个差异非常小，我们就称其为&#34;家庭消费者单位&#34;。</p>
</div><p>In 2024, the average U.S. household consumer unit spent an average of $78,535 on everything it bought during the year. On average, that household consumer unit spent $4,055, or a little under 5.2% of its total expenditures, out of its own pocket for health insurance in 2024.</p>
<div class="lb-trans"><p>在 2024 年，平均美国家庭消费者单位在一年内的所有消费支出为 78,535 美元。平均而言，该家庭消费者单位在 2024 年自掏腰包支付了 4,055 美元，约占其总支出的 5.2% 用于健康保险。</p>
</div><p>Our first chart tracks how the overall trend for out-of-pocket expenditures on health insurance has changed from 1984 through 2024:</p>
<div class="lb-trans"><p>我们的第一张图表追踪了 1984 年至 2024 年间健康保险自掏腰包支出的整体趋势变化：</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh56_-tSnZqDPJXXOyQGckRg65R3RL11s_UM-x-760RmeCfKBoLKWUNyN5cMeOxzUHvDfeVLdeztdO2wNyXCqF1ab1n6LaW78sDnsk6OUrgYh0Grk4d_IFTNA8afqRjlqj4BsumF2yRtbNhY8q_LM9sc1I-t_76iHsZoap1fkmyjhgUvzY6OISw/s1600/average-annual-health-insurance-expenditures-per-household-consumer-unit-1984-2024.png" alt="" original-src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh56_-tSnZqDPJXXOyQGckRg65R3RL11s_UM-x-760RmeCfKBoLKWUNyN5cMeOxzUHvDfeVLdeztdO2wNyXCqF1ab1n6LaW78sDnsk6OUrgYh0Grk4d_IFTNA8afqRjlqj4BsumF2yRtbNhY8q_LM9sc1I-t_76iHsZoap1fkmyjhgUvzY6OISw/s1600/average-annual-health-insurance-expenditures-per-household-consumer-unit-1984-2024.png"/></p>
<p>The amount that Americans pay on health insurance has not slowed down since the implementation of the Affordable Care Act (ACA) of 2010. The law, which was intended to &#34;bend the cost curve&#34; of health insurance downward, has failed.</p>
<div class="lb-trans"><p>自 2010 年实施《平价医疗法案》（ACA）以来，美国人在健康保险上的支出并没有减缓。该法律旨在&#34;降低健康保险的成本曲线&#34;，但未能实现。</p>
</div><p>Our second chart looks at the more recent history from 2008 through 2024, where here, we're tracking the change in how health care costs have changed since 2008.</p>
<div class="lb-trans"><p>我们的第二张图表关注 2008 年至 2024 年间的更近期历史，在这里，我们追踪自 2008 年以来医疗费用的变化。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaQeIz7ib9GAGY2Xk-U6trVUTn38t_Idr3ys0NcRyOfCWxDRN496iH8eUEzhxi0RYvKJcBoeqc3Sb8fuoAA8mK97Gk0yxecvcenQd3suTdcpA7mQJC4WHfzgyyV22BvycoygiSkyn68hJUcoBZ7NQBM-kzdlFrqMvHKCCplqAYsOFYf9yBocNl/s1600/change-in-average-annual-health-insurance-expenditures-per-household-consumer-unit-2008-2024.png" alt="" original-src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaQeIz7ib9GAGY2Xk-U6trVUTn38t_Idr3ys0NcRyOfCWxDRN496iH8eUEzhxi0RYvKJcBoeqc3Sb8fuoAA8mK97Gk0yxecvcenQd3suTdcpA7mQJC4WHfzgyyV22BvycoygiSkyn68hJUcoBZ7NQBM-kzdlFrqMvHKCCplqAYsOFYf9yBocNl/s1600/change-in-average-annual-health-insurance-expenditures-per-household-consumer-unit-2008-2024.png"/></p>
<p>We find the cost of health insurance has been increasing much faster than the costs for what Americans pay out-of-pocket for medical services, drugs, and medical supplies. All these costs have risen since the Biden administration unleashed high inflation in 2021, but health insurance has increased the most out of all these categories.</p>
<div class="lb-trans"><p>我们发现，健康保险的成本增长速度远快于美国人在医疗服务、药品和医疗用品上的自掏腰包支出。自拜登政府在 2021 年释放高通胀以来，所有这些费用都在上升，但健康保险的增长幅度最大。</p>
</div><h3><strong>References</strong></h3>
<div class="lb-trans"><h3><strong>参考文献</strong></h3>
</div><p>U.S. Bureau of Labor Statistics. Consumer Expenditure Survey. Multiyear Tables. [PDF Documents: 1984-1991, 1992-1999, 2000-2005, 2006-2012, 2013-2020. Excel spreadsheet: 2021-2024]. Reference URL: https://www.bls.gov/cex/home.htm. 19 December 2025.</p>
<div class="lb-trans"><p>美国劳工统计局。消费者支出调查。多年度表格。[PDF 文档：1984-1991，1992-1999，2000-2005，2006-2012，2013-2020。Excel 电子表格：2021-2024]。参考网址：https://www.bls.gov/cex/home.htm。2025 年 12 月 19 日。</p>
</div><hr/>
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美国消费者健康保险自付费用的趋势