# Why Insured Workers Skip Healthcare

> 36% of insured workers skip care due to costs, but TempoPay’s credit-free financing cuts barriers.
- Title: Why Insured Workers Skip Healthcare · Pymnts | Shortify
- Summary: 36% of insured workers skip care due to costs, but TempoPay’s credit-free financing cuts barriers.
- Keywords: tempo pay, healthcare costs, credit check, employer benefits, paymedix, healthcare financing, business, finance, Insured, Workers, Skip, Healthcare
- Source: Pymnts — https://pymnts.com/healthcare/2026/why-insured-workers-still-skip-healthcare
- Author: PYMNTS
- Published: 2026-10-19T08:00:04+00:00
- Read time: 1 min
- Topics: tempo pay, healthcare costs, credit check, employer benefits, paymedix, healthcare financing, business, finance
## Healthcare costs skip
36% of insured workers skip care due to costs, according to KFF's September report.
## Credit check barrier
Employers don't know how credit checks block care access for insured workers.
## TempoPay solution
TempoPay offers credit-free financing for medical, pharmacy, dental, vision and veterinary expenses.
## No credit check
Eligible employees get funds without credit checks, paying back via payroll deduction or bank account.
## Long-term impact
Healthcare spending spreads more evenly over time with TempoPay, reducing quarterly gaps.
## How it works
5% make first purchase immediately, 52% within 90 days, 22% later, with six uses per year.
## What happens next
TempoPay helps insured workers access care without credit checks, improving healthcare utilization.
## Key takeaway

36% of insured workers skip care due to costs, but TempoPay’s credit-free financing helps them access care without credit checks.