The American Medical Association estimates that about $1.2 trillion is currently unsecured.
This is about as much as most people will ever need.
In the last year, insurers have cut premiums by $100 billion or more in a span of just a few months, as the U.S. economy has recovered and medical costs have risen.
But in the last three months, the average premiums have climbed by almost $10 a month, according to a new analysis from the insurer Aon Hewitt, which reviewed data from more than 10 million policies.
For the average household, it would mean an extra $300 per year.
Even with the additional costs, consumers still don’t pay enough to cover their medical bills.
The Aon report, released Monday, found that more than one-third of the uninsured spend more than $1,000 per month on premiums.
The insurers are not alone in trying to close the gap.
A recent report from the nonprofit Consumer Federation of America found that the average annual deductible for a family of four has risen to $2,200 from $1 of $2.
In some states, premiums are up more than 100% since the Affordable Care Act was passed.
The report was commissioned by the American Medical Assn., which is a major insurer.
“We have a crisis of uninsurance,” said Nancy Dolan, president of the Association of Health Plans and Commissions, which represents insurers.
The number of uninsured is expected to increase this year, but insurance costs have continued to increase, and premiums will rise even more as the economy recovers.
Even for consumers who do not qualify for a premium tax credit, premiums remain unaffordable.
A survey by Aon and Aon Research showed that consumers with incomes of less than $10,000 are spending nearly $3,400 more per year than those with incomes above that threshold.
Those with incomes up to $85,000 pay $3.50 more per month for an average of $11,400 in premiums.
While the numbers are eye-opening, they do not necessarily represent a crisis.
The cost of insurance is far lower than the $3 trillion in annual costs that are forecast to rise in the coming years, according in a separate Aon analysis.
Consumers are still saving about $500 in a year, while insurers are still paying about $2 trillion in premiums, Aon said.
But that is only half the story.
While consumers save about $100 a month on insurance, the gap in the insurance market has grown by $2 billion, according the Aon study.
This year, for instance, insurers spent $4 billion more on premiums than they had a year ago, and more than two-thirds of consumers were paying more than the average premium for a comparable year a decade ago.
“The American Medical Associations report underscores the need for policymakers and regulators to act quickly to improve affordability for all Americans,” said John Aiken, AON’s president.
The study also said that in many cases, insurers are overpaying for coverage, and that insurers are now using the cost of premiums as leverage to lower prices.
For example, a few years ago, Aons research found that insurers were using premiums to negotiate discounts on policies.
But with the rise in premiums and with more people not being able to afford the new policy, insurers began to pay off customers who were previously at a disadvantage.
That led to higher prices and lower profits for insurers.
“These kinds of problems are just going to continue to grow in the years ahead,” Dolan said.
The American Association of Retired Persons has been a leading voice for reducing the gap between the costs of health care and the amount of money Americans spend on insurance.
“I think we have a much more reasonable system for the way insurance works,” said Dr. Robert M. Langer, a senior vice president at the association.
“There is no reason to keep paying out a lot of money for a product that is not providing the benefits people want and are entitled to.”
But the Aons report did not include a specific figure for how much money consumers are paying in premiums on average for the insurance they are purchasing.
“This is an ongoing challenge for insurers and consumers alike,” Dola said.
In a statement, the AON said it is “extremely concerned about the growing cost of health insurance and the resulting health care shortfall.”
But Aon has called for Congress to increase funding for Medicare to cover the costs, and also for insurers to negotiate lower rates for older people.
“Health care is expensive,” said Langer.
“It’s time for us to get serious about reducing health care costs.”
The Aons study does not include the costs to insurers of the cost-sharing subsidies that are paid to older people to help them buy insurance, but it does include the cost to consumers of the increased premium costs.
It said premiums are rising more quickly than people pay for their