Japan’s Elderly Forced to Pay 20% of Medical Costs from October

At a recycling warehouse in Niiza, Saitama Prefecture, 77-year-old Januma refurbishes used washing machines. He receives a pension of around 200,000 yen a month, supplemented by about 100,000 yen from his part-time work, giving him an income of roughly 300,000 yen in total. Yet even with this, he worries about the growing burden of healthcare costs.

“So far it hasn’t been too heavy, but I know it’ll keep increasing as I get older and go to the hospital more often. It’s inevitable,” he said while continuing to work.

The higher payments affect about 3.1 million people nationwide. Until now, most people aged 75 and over paid 10% of their medical bills, but since October 2022, those with certain income levels have been required to pay 20%. A temporary relief measure capped the increase at 3,000 yen per month, but this limit was abolished on October 1st, fully implementing the 20% co-payment for outpatient visits.

For instance, someone with 50,000 yen in monthly medical costs previously paid 8,000 yen, but now pays 10,000 yen, a rise of 2,000 yen.

For Januma, whose favorite pastime is karaoke with friends, the impact feels personal.

“If medical costs keep rising, there’s a chance I might have to give up going to karaoke,” he said. “That would be really sad because singing is my main joy in life.”

At local clinics, confusion was seen on October 1st as notices were posted informing patients that consideration measures for the 20% co-payment have ended and that personal payment amounts may rise. A 75-year-old woman visiting a clinic for persistent coughing said she had just learned her fees would increase that day.

Her payment of 430 yen for a visit seemed small, but it was double what she paid before the reform.

“It may not sound like much, but I go to the hospital many times a month. It adds up to around 5,000 or 6,000 yen. It’s quite tough,” she said.

Doctors are also worried that rising costs could cause patients to avoid necessary care.

“With prices rising everywhere, patients are anxious. Some skip tests or choose cheaper medicines to cut costs. We’re already seeing diabetic or hypertensive patients who’ve run out of essential prescriptions,” said Ito, a physician.

Behind the reform lies a generational issue: roughly 40% of medical costs for those aged 75 and over are paid by the working-age population. As the baby-boom generation moves into the late-elderly bracket, this burden is increasing. To ease the strain on younger generations, a portion of seniors with higher income levels were asked to shoulder more.

Nomura, a policy analyst, said, “It’s important that we review waste in the healthcare system. We all have to share the responsibility fairly, but we also need to reduce unnecessary treatments and optimize costs.”

In Tokyo’s Itabashi Ward, at the Takashimadaira housing complex, an 83-year-old man said his total monthly spending is about 250,000 yen. Rent and service fees for his assisted living apartment cost 150,000 yen, food expenses are 40,000 yen, and social expenses total 50,000 yen. Medical costs are around 5,000 yen a month but will now rise.

“I’ll probably have to withdraw from my savings. I can’t really cut back on other things—I still want to enjoy life while I can,” he said.

Others are choosing small sacrifices.

“We try not to be extravagant,” said one woman. “My husband loves eel, but now it’s just for special occasions. If we have to cut somewhere, it’ll be food. There’s no other way but to save.”

Experts emphasize that the key lies in extending healthy life expectancy.

“If seniors can stay active in society and continue social connections—whether through hobbies, volunteer work, or group activities—it helps maintain health and reduce long-term medical costs,” said one gerontology specialist.

At a shopping street, an elderly woman affected by the new rule was seen buying discounted groceries during a senior sale.

“I waited an hour in line to save money. The free local bus also helps, so I’m cutting costs wherever I can,” she said.

For many like her, saving on daily necessities has become essential to offset rising medical expenses.

The discussion now extends beyond healthcare to the entire social welfare system, as Japan faces the challenge of sustaining support for a rapidly aging population while ensuring that seniors can still live with dignity and enjoyment.
https://newsonjapan.com/article/147157.php

Japan’s Elderly Forced to Pay 20% of Medical Costs from October

At a recycling warehouse in Niiza, Saitama Prefecture, 77-year-old Januma refurbishes used washing machines. He receives a pension of around 200,000 yen a month, supplemented by about 100,000 yen from his part-time work, giving him an income of roughly 300,000 yen in total. Yet, even with this, he worries about the growing burden of healthcare costs.

“So far it hasn’t been too heavy, but I know it’ll keep increasing as I get older and go to the hospital more often. It’s inevitable,” he said while continuing to work.

The higher payments affect about 3.1 million people nationwide. Until now, most people aged 75 and over paid 10% of their medical bills, but since October 2022, those with certain income levels have been required to pay 20%.

A temporary relief measure capped the increase at 3,000 yen per month, but this limit was abolished on October 1st, fully implementing the 20% co-payment for outpatient visits. For instance, someone with 50,000 yen in monthly medical costs previously paid 8,000 yen, but now pays 10,000 yen—a rise of 2,000 yen.

For Januma, whose favorite pastime is karaoke with friends, the impact feels personal. “If medical costs keep rising, there’s a chance I might have to give up going to karaoke,” he said. “That would be really sad because singing is my main joy in life.”

At local clinics, confusion was seen on October 1st as notices were posted informing patients that consideration measures for the 20% co-payment have ended and that personal payment amounts may rise.

A 75-year-old woman visiting a clinic for persistent coughing said she had just learned her fees would increase that day. Her payment of 430 yen for a visit seemed small, but it was double what she paid before the reform.

“It may not sound like much, but I go to the hospital many times a month. It adds up to around 5,000 or 6,000 yen. It’s quite tough,” she said.

Doctors are also worried that rising costs could cause patients to avoid necessary care.

“With prices rising everywhere, patients are anxious. Some skip tests or choose cheaper medicines to cut costs. We’re already seeing diabetic or hypertensive patients who’ve run out of essential prescriptions,” said Ito, a physician.

Behind the reform lies a generational issue: roughly 40% of medical costs for those aged 75 and over are paid by the working-age population. As the baby-boom generation moves into the late-elderly bracket, this burden is increasing.

To ease the strain on younger generations, a portion of seniors with higher income levels were asked to shoulder more.

Nomura, a policy analyst, said, “It’s important that we review waste in the healthcare system. We all have to share the responsibility fairly, but we also need to reduce unnecessary treatments and optimize costs.”

In Tokyo’s Itabashi Ward, at the Takashimadaira housing complex, an 83-year-old man said his total monthly spending is about 250,000 yen. Rent and service fees for his assisted living apartment cost 150,000 yen, food expenses are 40,000 yen, and social expenses total 50,000 yen. Medical costs are around 5,000 yen a month but will now rise.

“I’ll probably have to withdraw from my savings. I can’t really cut back on other things—I still want to enjoy life while I can,” he said.

Others are choosing small sacrifices.

“We try not to be extravagant,” said one woman. “My husband loves eel, but now it’s just for special occasions. If we have to cut somewhere, it’ll be food. There’s no other way but to save.”

Experts emphasize that the key lies in extending healthy life expectancy.

“If seniors can stay active in society and continue social connections—whether through hobbies, volunteer work, or group activities—it helps maintain health and reduce long-term medical costs,” said one gerontology specialist.

At a shopping street, an elderly woman affected by the new rule was seen buying discounted groceries during a senior sale.

“I waited an hour in line to save money. The free local bus also helps, so I’m cutting costs wherever I can,” she said.

For many like her, saving on daily necessities has become essential to offset rising medical expenses.

The discussion now extends beyond healthcare to the entire social welfare system, as Japan faces the challenge of sustaining support for a rapidly aging population while ensuring that seniors can still live with dignity and enjoyment.
https://newsonjapan.com/article/147157.php

Japan’s Elderly Forced to Pay 20% of Medical Costs from October

At a recycling warehouse in Niiza, Saitama Prefecture, 77-year-old Januma refurbishes used washing machines. He receives a pension of around 200,000 yen a month, supplemented by about 100,000 yen from his part-time work, giving him an income of roughly 300,000 yen in total. Yet even with this, he worries about the growing burden of healthcare costs.

“So far it hasn’t been too heavy, but I know it’ll keep increasing as I get older and go to the hospital more often. It’s inevitable,” he said while continuing to work.

The higher payments affect about 3.1 million people nationwide. Until now, most people aged 75 and over paid 10% of their medical bills, but since October 2022, those with certain income levels have been required to pay 20%. A temporary relief measure capped the increase at 3,000 yen per month, but this limit was abolished on October 1st, fully implementing the 20% co-payment for outpatient visits.

For instance, someone with 50,000 yen in monthly medical costs previously paid 8,000 yen, but now pays 10,000 yen, a rise of 2,000 yen.

For Januma, whose favorite pastime is karaoke with friends, the impact feels personal. “If medical costs keep rising, there’s a chance I might have to give up going to karaoke,” he said. “That would be really sad because singing is my main joy in life.”

At local clinics, confusion was seen on October 1st as notices were posted informing patients that consideration measures for the 20% co-payment have ended and that personal payment amounts may rise.

A 75-year-old woman visiting a clinic for persistent coughing said she had just learned her fees would increase that day. Her payment of 430 yen for a visit seemed small, but it was double what she paid before the reform.

“It may not sound like much, but I go to the hospital many times a month. It adds up to around 5,000 or 6,000 yen. It’s quite tough,” she said.

Doctors are also worried that rising costs could cause patients to avoid necessary care.

“With prices rising everywhere, patients are anxious. Some skip tests or choose cheaper medicines to cut costs. We’re already seeing diabetic or hypertensive patients who’ve run out of essential prescriptions,” said Ito, a physician.

Behind the reform lies a generational issue: roughly 40% of medical costs for those aged 75 and over are paid by the working-age population. As the baby-boom generation moves into the late-elderly bracket, this burden is increasing.

To ease the strain on younger generations, a portion of seniors with higher income levels were asked to shoulder more.

Nomura, a policy analyst, said, “It’s important that we review waste in the healthcare system. We all have to share the responsibility fairly, but we also need to reduce unnecessary treatments and optimize costs.”

In Tokyo’s Itabashi Ward, at the Takashimadaira housing complex, an 83-year-old man said his total monthly spending is about 250,000 yen. Rent and service fees for his assisted living apartment cost 150,000 yen, food expenses are 40,000 yen, and social expenses total 50,000 yen. Medical costs are around 5,000 yen a month but will now rise.

“I’ll probably have to withdraw from my savings. I can’t really cut back on other things—I still want to enjoy life while I can,” he said.

Others are choosing small sacrifices.

“We try not to be extravagant,” said one woman. “My husband loves eel, but now it’s just for special occasions. If we have to cut somewhere, it’ll be food. There’s no other way but to save.”

Experts emphasize that the key lies in extending healthy life expectancy.

“If seniors can stay active in society and continue social connections—whether through hobbies, volunteer work, or group activities—it helps maintain health and reduce long-term medical costs,” said one gerontology specialist.

At a shopping street, an elderly woman affected by the new rule was seen buying discounted groceries during a senior sale.

“I waited an hour in line to save money. The free local bus also helps, so I’m cutting costs wherever I can,” she said.

For many like her, saving on daily necessities has become essential to offset rising medical expenses.

The discussion now extends beyond healthcare to the entire social welfare system, as Japan faces the challenge of sustaining support for a rapidly aging population while ensuring that seniors can still live with dignity and enjoyment.
https://newsonjapan.com/article/147157.php

New Mexico Legislature approves bills to prop up rural health care, underwrite food assistance

**New Mexico Lawmakers Act Swiftly to Support Food Assistance and Rural Health Care Amid Federal Cuts**

SANTA FE, N.M. (AP) — New Mexico lawmakers moved quickly Thursday during a special legislative session to bolster funding for food assistance and rural health care services. This comes in response to federal spending cuts on Medicaid and nutrition programs under President Donald Trump’s administration.

The Democratic-led Legislature sent a bill to Gov. Michelle Lujan Grisham that allocates over $16 million to sustain food assistance through the Supplemental Nutrition Assistance Program (SNAP) and to strengthen food banks. This action addresses federal changes that end SNAP eligibility for many noncitizens and alter benefit calculations for others.

“We need to act to make sure that New Mexicans don’t go hungry with SNAP changes at the federal level,” said Democratic state Sen. George Muñoz of Gallup.

An additional $50 million is designated to support medical services at rural health clinics and hospitals, which often rely heavily on Medicaid funding.

### Opposition from Republicans

Republicans in the legislative minority unanimously opposed the spending provisions. They argued that significant federal changes to Medicaid are still a few years away and emphasized the need for New Mexico to focus on reducing errors in benefit distribution instead.

However, both Democrats and some Republican legislators voted in favor of backfilling subsidies for health insurance on New Mexico’s Affordable Health Care Exchange if federal credits were allowed to expire. These federal subsidies have been a major sticking point in the ongoing budget standoff in Washington, which led to a government shutdown Wednesday.

### Temporary Measures Amid Long-Term Cuts

Many federal health care changes under Trump’s major bill will not take effect until 2027 or beyond. Democratic lawmakers in New Mexico acknowledged that their recent bills serve only as temporary measures.

“Some of the most significant federal cuts are delayed a few years, and these are deeply significant,” said state Rep. Nathan Small of Las Cruces, the lead sponsor of the spending bill. “I want to make sure that we’re all thinking of, not hundreds of millions, but billions of dollars of reduced Medicaid support to our state.”

Gov. Michelle Lujan Grisham, a Democrat, supports key provisions of the bills and holds the authority to veto any spending measures.

Trump’s bill has prompted urgent responses in several Democratic-led states, including New Mexico, while Republican-led states have so far taken a different approach.

### Funding for Food Assistance

New Mexico lawmakers approved a swift infusion of state funds to support food assistance for elderly SNAP recipients. Nearly one in four residents in New Mexico receive food assistance through SNAP, making it a critical resource to combat hunger.

Under the bill, food banks across the state will receive an $8 million increase in direct state support. Additionally, $2 million is allocated to replenishing food pantries in universities and public schools.

The federal bill expands work and reporting requirements for SNAP participants, terminates eligibility for many noncitizens, and changes how benefits are calculated.

### Rural Health Care Concerns

Trump’s bill sets aside $50 billion over five years for rural hospitals, providers, and clinics but these funds may not fully offset significant cuts.

The situation is particularly pressing in New Mexico, where approximately 38% of residents rely on Medicaid. Both Republican and Democratic lawmakers warn of a looming rural health care crisis as the state struggles to retain medical professionals and keep clinics and hospitals operational.

State Sen. Pat Woods, a Republican from New Mexico’s sparsely populated eastern plains, co-sponsored changes to rural health care grants aimed at sustaining existing services at rural clinics and hospitals.

“We’re trying to figure out a way to fund and keep some of these clinics open. What’s going to happen in the future? Who the hell knows,” Woods told a panel of lawmakers. “What I worry about is keeping these clinics and hospitals open until the dust settles.”

The bill passed the House with a vote of 64-3 and was sent to the governor for consideration.

### Insurance Subsidies and Public Broadcasting Funding

Legislators also approved setting aside $17 million to ensure that health insurance subsidies on New Mexico’s Affordable Care Act exchange do not lapse. This effort extends insurance subsidies to middle-income residents whose earnings equal or exceed 400% of the federal poverty level — roughly $128,000 annually for a family of four.

Democratic state Sen. Carrie Hamblen of Las Cruces emphasized that these subsidies are crucial to prevent a “perfect storm” of unaffordability. She warned that rising insurance rates could reduce participation in the exchange and exacerbate coverage gaps.

State health officials have indicated that tens of thousands of residents could drop their insurance coverage if exchange rates increase in 2026.

Separately, the legislature approved $6 million in state funding for public broadcasting stations, including $430,000 for five tribal stations severely impacted by Congress and President Trump’s defunding of the Corporation for Public Broadcasting.

Approved federal grants for these stations for the current federal budget year were rescinded under a bill signed by President Trump in July.

*This legislative session underscores New Mexico’s proactive approach to safeguarding vulnerable populations amid federal funding uncertainties.*
https://mymotherlode.com/news/national/10024690/new-mexico-legislature-approves-bills-to-prop-up-rural-health-care-underwrite-food-assistance.html

Exit mobile version