The rising cost of living is impacting all Americans, but for members of the LGBTQ+ community, financial strain is often compounded by unique challenges in accessing affordable health care. As the 2026 midterm elections approach, a new analysis from KFF Health Tracking Polls reveals that LGBTQ+ adults are experiencing widespread concerns about affording basic necessities, including medical expenses, at a higher rate than their non-LGBTQ+ counterparts. This disparity is particularly concerning given that LGBTQ+ individuals already face documented health disparities and often have lower incomes.
Eight in ten LGBTQ+ adults (83%) report that their cost of living has increased in the past year, a figure comparable to the 82% reported by non-LGBTQ+ adults. However, the depth of worry differs. More than half of LGBTQ+ adults (58%) say their cost of living has increased “a lot,” highlighting the significant financial pressure many are facing. These concerns aren’t isolated to healthcare; they extend to everyday expenses like food, housing, and utilities.
While healthcare costs are a top economic worry for most Americans, the KFF data shows LGBTQ+ adults experience broader and more pronounced financial anxieties across multiple categories. Three-quarters (76%) worry about paying for health care, a concern matched by their anxieties about affording food and groceries (as well 76%). Rent or mortgage payments weigh on 74% of LGBTQ+ adults, and 71% are concerned about covering monthly utilities. These levels of concern consistently exceed those reported by non-LGBTQ+ adults, a likely reflection of the economic vulnerabilities within the community.
The financial burden extends to prescription medications. Nearly two-thirds of LGBTQ+ adults (64%) express worry about affording prescription drug costs, similar to the 58% of non-LGBTQ+ adults who share this concern. However, a significantly larger proportion of LGBTQ+ adults – 36% versus 20% – report being “very worried” about these costs, indicating a heightened level of anxiety about accessing necessary medications.
These worries aren’t merely theoretical. The KFF poll reveals that 43% of LGBTQ+ adults report actual difficulty paying for health care, and 39% have struggled to afford prescription drugs in the past year. These rates are notably higher than those reported by non-LGBTQ+ adults, underscoring the real-world impact of financial barriers to care.
The reasons behind these disparities are complex. LGBTQ+ individuals may face discrimination in healthcare settings, leading to avoidance of care or reluctance to seek necessary treatment. Research from KFF highlights that LGBTQ+ people experience significant health disparities, including higher rates of mental health conditions and certain chronic illnesses, which can increase healthcare needs and costs. Historical and ongoing discrimination in employment and housing can contribute to lower incomes and limited access to health insurance.
The Impact of Income and Insurance
The financial challenges are often linked to income levels. KFF data indicates that LGBTQ+ adults are more likely to have lower incomes compared to their non-LGBTQ+ peers. This income gap can make it difficult to afford health insurance premiums, co-pays, and deductibles, even with coverage. Lack of insurance, or inadequate coverage, can lead to delayed care, poorer health outcomes, and increased financial strain.
Beyond Healthcare: A Broader Financial Picture
The concerns extend beyond healthcare to other essential expenses. While worries about gas and transportation were somewhat lower for LGBTQ+ adults (67%) compared to other expenses, they still surpassed the concerns of non-LGBTQ+ adults (51%). It’s important to note that the survey was conducted before a recent surge in gas prices following geopolitical events, as reported by NPR, suggesting these concerns may be even more pronounced now.
Addressing these disparities requires a multi-faceted approach. Expanding access to affordable health insurance, strengthening protections against discrimination in healthcare, and addressing the underlying economic vulnerabilities within the LGBTQ+ community are crucial steps. Policymakers and healthcare providers must function together to create a more equitable and accessible healthcare system for all.
Looking ahead, the ongoing debate surrounding healthcare affordability will likely remain a central issue in the lead-up to the 2026 midterm elections. Further data releases from KFF and other organizations will continue to shed light on the evolving financial challenges faced by LGBTQ+ adults and the broader population. The next KFF Health Tracking Poll is scheduled for release in late summer 2026 and will provide updated insights into these trends.
What steps can be taken to improve healthcare affordability for LGBTQ+ individuals? Share your thoughts in the comments below.
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