<p>典型的美國家庭消費者單位在健康保險保費上自掏腰包支付了多少？從 1984 年到 2024 年，這一數字發生了怎樣的變化？</p>
<p>年度消費者支出調查是獲取此類信息的主要來源，詳細説明了美國消費者單位的支出情況。如果你還不知道這個奇特的表達，&#34;消費者單位&#34;是美國勞工統計局的數據分析師對接近但不完全等同於家庭的美國家庭的親切稱呼。值得一提的是，2024 年的&#34;消費者單位&#34;由 2.4 人組成，而家庭則由 2.54 人組成。由於這個差異非常小，我們就稱其為&#34;家庭消費者單位&#34;。</p>
<p>在 2024 年，平均美國家庭消費者單位在一年內的所有消費支出為 78,535 美元。平均而言，該家庭消費者單位在 2024 年自掏腰包支付了 4,055 美元，約佔其總支出的 5.2% 用於健康保險。</p>
<p>我們的第一張圖表追蹤了 1984 年至 2024 年間健康保險自掏腰包支出的整體趨勢變化：</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 年實施《平價醫療法案》（ACA）以來，美國人在健康保險上的支出並沒有減緩。該法律旨在&#34;降低健康保險的成本曲線&#34;，但未能實現。</p>
<p>我們的第二張圖表關注 2008 年至 2024 年間的更近期歷史，在這裏，我們追蹤自 2008 年以來醫療費用的變化。</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>我們發現，健康保險的成本增長速度遠快於美國人在醫療服務、藥品和醫療用品上的自掏腰包支出。自拜登政府在 2021 年釋放高通脹以來，所有這些費用都在上升，但健康保險的增長幅度最大。</p>
<h3><strong>參考文獻</strong></h3>
<p>美國勞工統計局。消費者支出調查。多年度表格。[PDF 文檔：1984-1991，1992-1999，2000-2005，2006-2012，2013-2020。Excel 電子表格：2021-2024]。參考網址：https://www.bls.gov/cex/home.htm。2025 年 12 月 19 日。</p>
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<p>在 2024 年，平均美國家庭消費單位在健康保險保費上的支出為 4,055 美元，佔總支出的約 5.2%。這標誌着自 1984 年以來，自付費用的持續增加，儘管《平價醫療法案》旨在降低成本。從 2008 年到 2024 年，健康保險費用的增長速度顯著快於其他醫療費用，自 2021 年以來的通貨膨脹加劇了這一情況。消費者支出調查提供了對這些趨勢的詳細洞察</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>典型的美國家庭消費者單位在健康保險保費上自掏腰包支付了多少？從 1984 年到 2024 年，這一數字發生了怎樣的變化？</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>年度消費者支出調查是獲取此類信息的主要來源，詳細説明了美國消費者單位的支出情況。如果你還不知道這個奇特的表達，&#34;消費者單位&#34;是美國勞工統計局的數據分析師對接近但不完全等同於家庭的美國家庭的親切稱呼。值得一提的是，2024 年的&#34;消費者單位&#34;由 2.4 人組成，而家庭則由 2.54 人組成。由於這個差異非常小，我們就稱其為&#34;家庭消費者單位&#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，平均美國家庭消費者單位在一年內的所有消費支出為 78,535 美元。平均而言，該家庭消費者單位在 2024 年自掏腰包支付了 4,055 美元，約佔其總支出的 5.2% 用於健康保險。</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>我們的第一張圖表追蹤了 1984 年至 2024 年間健康保險自掏腰包支出的整體趨勢變化：</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 年實施《平價醫療法案》（ACA）以來，美國人在健康保險上的支出並沒有減緩。該法律旨在&#34;降低健康保險的成本曲線&#34;，但未能實現。</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>我們的第二張圖表關注 2008 年至 2024 年間的更近期歷史，在這裏，我們追蹤自 2008 年以來醫療費用的變化。</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>我們發現，健康保險的成本增長速度遠快於美國人在醫療服務、藥品和醫療用品上的自掏腰包支出。自拜登政府在 2021 年釋放高通脹以來，所有這些費用都在上升，但健康保險的增長幅度最大。</p>
</div><h3><strong>References</strong></h3>
<div class="lb-trans"><h3><strong>參考文獻</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>美國勞工統計局。消費者支出調查。多年度表格。[PDF 文檔：1984-1991，1992-1999，2000-2005，2006-2012，2013-2020。Excel 電子表格：2021-2024]。參考網址：https://www.bls.gov/cex/home.htm。2025 年 12 月 19 日。</p>
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美國消費者健康保險自付費用的趨勢