Stethoscope and dollar While Gen Zers are most engaged in their health care decisions, they’re also least likely to understand the costs of care. (Photo: Shutterstock)

For most Americans, health care expenses are still an unwelcome surprise and burden. A majority of U.S. consumers don’t understand various aspects of their health care insurance costs, while many aren’t actively planning for the health care expenses, according to HSA Bank’s Annual Health and Wealth Index, a survey of 2,000 U.S. consumers conducted in the fall of 2019.

Only around 42% of survey respondents were classified as being at least “highly engaged” with preparing for their health care expenses and taking an active role in their physical health. There is, however, some hope for the future—Generation Z was the most engaged with health care expenses and their physical health, while millennials came in second, followed by Baby Boomers, and Generation X.

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