Healthcare costs are rising across the board. Government spending on healthcare in the United States increased by almost 10 percent in 2020 to $4.1 trillion, most likely due to funds allocated to managing the COVID-19 pandemic. For patients, high-deductible plans are common occurrence and out-of-pocket costs are estimated to reach more than $491 billion by 2025. According to a report from the Kaiser Family Foundation, approximately 100 million Americans have some form of healthcare-related debt. Numbers like this give insight into the financial state of many Americans.