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Dr. David Edward Marcinko; MBA MEd
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đź’° Cost & Budget KPIs
1. Healthcare Cost‑to‑Income Ratio
- Percentage of your annual income spent on premiums, copays, prescriptions, and medical bills.
- A lower ratio means better affordability.
2. Monthly Premium Affordability
- Whether your health insurance premium fits comfortably within your monthly budget without displacing essentials.
3. Out‑of‑Pocket Maximum Preparedness
- Ability to cover your plan’s annual out‑of‑pocket maximum without financial crisis.
4. Emergency Medical Fund Size
- Savings specifically set aside for unexpected medical expenses.
- Ideally covers at least one high‑deductible event.
5. Medical Debt‑to‑Income Ratio
- Measures how much medical debt you carry relative to your income.
- Lower is better; rising debt signals affordability issues.
🏥 Insurance Coverage KPIs
6. Coverage Adequacy Score
- How well your plan covers your actual needs (medications, specialists, chronic conditions).
7. Network Access Availability
- Whether your preferred doctors, hospitals, and specialists are in‑network and affordable.
8. Deductible Feasibility
- Your ability to pay the deductible without financial strain.
9. Copay/Coinsurance Burden
- How much you pay per visit or service and whether those costs deter you from seeking care.
🧾 Utilization & Access KPIs
10. Preventive Care Utilization Rate
- Whether you can afford and regularly access preventive services (checkups, screenings).
11. Prescription Affordability Index
- Ability to pay for medications consistently without skipping doses or delaying refills.
12. Specialist Access Time
- How long it takes (and costs) to see specialists when needed.
13. Delay‑of‑Care Frequency
- How often you postpone or avoid care due to cost.
- A high frequency is a red flag.
đź“Š Financial Stability KPIs
14. Healthcare Savings Rate
- Portion of income saved specifically for future medical needs.
15. Unexpected Medical Expense Impact
- How much an unplanned medical bill disrupts your financial stability.
16. Insurance Plan Switching Frequency
- How often you switch plans due to cost increases.
- Frequent switching can indicate affordability pressure.
COMMENTS APPRECIATED
SPEAKING: Dr. Marcinko will be speaking and lecturing, signing and opining, teaching and preaching, storming and performing at many locations throughout the USA this year! His tour of witty and serious pontifications may be scheduled on a planned or ad-hoc basis; for public or private meetings and gatherings; formally, informally, or over lunch or dinner. All medical societies, financial advisory firms or Broker-Dealers are encouraged to submit an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com
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