Visual Library
/
Healthcare
/
Household Affordability
Explainer

The Denominator Changes the Affordability Story

Affordability ratios can change materially depending on which income denominator is used.

[ALT TEXT]

What This Graphic Shows

The graphic compares age-bracket household income with all-household income as alternative denominators for employer family premiums.

Key Takeaway

Before comparing affordability ratios, check who is included in the income measure.

Verification Status:

Verified — Current

Last Verified:

September 21, 2026

Sources

Review the sources used to support this visual.

Ohio Common Ground Research Center

Healthcare Affordability Across the Generations: An Age-30 and Life-Stage Comparison

September 2, 2026
View Source →

Related Visuals

Explore closely related graphics and explainers.

Explainer

Total Premium ≠ What the Household Pays Directly

The full cost of employer health coverage is not the same as the amount a worker pays directly.

View Visual →
Explainer

At Age 30, Family Premium Burden Was Higher for Millennials

Employer family premiums consumed a larger share of age-bracket household income for Millennials at age 30 than for Gen X.

View Visual →

Explore More

Continue exploring the issue or return to the complete OCG Visual Library.

Back to Topic →Browse the Visual Library →