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Tomas Rodriguez/Getty Images May 02, 2022 Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Bankrate logo

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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo

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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo

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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Mental health is one of the most prominent issues we face as a population in the United States and around the world. It affects people of all ages, genders, education levels, incomes and walks of life. Data shows that nearly suffers from a mental health disorder. Depression, anxiety and panic disorders are some of the most common. The month of May marks the beginning of Mental Health Awareness Month, a period of time to educate people about the importance of mental health and the resources available on a national and local scale. Statistically, spring is the most challenging and dangerous season for people who suffer from mental health disorders. As time progresses, the stigma around mental health has improved and access to treatment has expanded. Nevertheless, it’s still important to stay informed about how mental health can impact yourself and the emotional wellbeing of your loved ones.

Key mental health statistics

Living with a mental health disorder can feel isolating, but statistics show that people who experience mental distress are not alone. Here are some figures about mental health, who it affects and how many people receive treatment: Lightbulb Mental Health America Statistics publishes an annual study, called The State Of Mental Health In America. Here are some key statistics from the 2022 report: Over 50% of Americans living with a mental illness do not receive treatment for their disorder, leaving more than 27 million people without mental health care. More than 60% of kids and young adults with major depression do not receive treatment. Even in states with good access to mental health care, almost one in three children do not get professional help. The rate of substance abuse is increasing among adolescents and adults. An estimated 7.74% of adults and 4.08% of youth have been diagnosed with a substance abuse disorder. More than 8% of kids with private health insurance do not have coverage for mental health treatment. Over 11% of Americans who suffer from a mental health disorder are uninsured. 2022 is the second consecutive year that this rate has increased since the Affordable Care Act (ACA) was passed. In the last year alone, more than 15% of youth experienced a major depressive episode. White youth suffering from depression are the most likely to receive treatment. Asian youth are the least likely to receive treatment for their disorder. Lightbulb World Population Review Statistics The compiles data on mental health across the world. Here are some facts from 2022: Anxiety was the most common mental health condition in the United States, affecting roughly 40 million people nationwide. Although anxiety disorders are treatable, less than 40% of people who suffer actually receive treatment from a mental health professional. For people who suffer from one mental health condition, it’s common to develop a second disorder. For example, many people who have been diagnosed with anxiety disorder also experience depression. Lightbulb National Institute of Mental Health Statistics Here are some figures from the (NIMH): Almost one in five adults suffers from a mental illness. Females are more likely than males to experience mental health disorders. Roughly 25.8% of women experience any mental illness (AMI), whereas 15.8% of men experience AMI. Young adults between the ages of 18-25 have the highest rates of AMI compared to adults aged 26-49 years old and individuals over 50. Lightbulb National Alliance on Mental Health Statistics The (NAMI) published the following mental health data points in 2022: Mood disorders are the most common reason for hospitalization in the United States for people under age 45 (excluding maternity care). An estimated 15.3% of United States veterans experienced a mental illness in 2019, which equates to roughly 31.3 million people. Each year, 47.4% of individuals who identify as lesbian, gay or bisexual suffer from mental health disorders. High school students with severe depression symptoms are more than twice as likely to drop out, compared to their peers who do not suffer from depression. About 17.3% of non-Hispanic black or African Americans are diagnosed with a mental health disorder each year. Only 37.1% of people in this demographic receive treatment.

Accessibility of mental health treatment by state

The availability of mental health treatment is expanding across the country. However, access to treatment is better in some states than others. To identify which states have the best and worst access to mental health treatment and insurance, put together a unique rating system using 2022 data (these rankings are subject to change). To calculate these scores, MHA considered some of the following criteria for each state (not an exhaustive list): Number of adults with a mental illness who did not receive treatment or whose insurance did not cover their treatment. Number of mental health professionals working in the state. Number of kids with major depressive episode(s) who did not receive treatment. Number of kids with severe major depressive episode(s) who received consistent treatment. States with the least access to mental health treatment Rank (least access) State #1 Texas #2 Alabama #3 Florida #4 Georgia #5 Mississippi States with the most access to mental health treatment Rank (most access) State #1 Vermont #2 Massachusetts #3 Maine #4 Wisconsin #5 Minnesota

Pervasiveness of mental health issues by state

When it comes to research and data collection, mental health rates can be quantified in different ways. For example, some studies only count people who have been diagnosed with a mental health disorder by a professional. Others include people who self-report having a mental health condition. Regardless of the data collection method, figures show that some states have higher rates of mental health disorders than others. To identify the states at the top and bottom of the list, MHA used the following criteria based on data from the last year (not an exhaustive list): Number of adults with a mental illness and/or a substance use disorder. Number of kids with one or more major depressive episodes and/or substance use disorder. States with the highest prevalence of mental health disorders Rank (highest prevalence) State #1 Oregon #2 Vermont #3 Alaska #4 Wyoming #5 Utah The table below highlights the states with the lowest prevalence of mental health conditions. However, keep in mind that states with lower access to mental health treatment, such as Texas and Georgia, may correlate with a lower prevalence of mental health issues, due to fewer reported cases. States with the lowest prevalence of mental health disorders Rank (lowest prevalence) State #1 New Jersey #2 Florida #3 Georgia #4 Texas #5 New York

Life insurance and mental health

Mental health disorders come in many different forms. However, defines a mental illness as a condition that “affects a person’s thinking, feeling, behavior or mood.” Mental health conditions also severely impact a person’s ability to function on a daily basis, perform normal activities and relate to others. When it comes to , having a mental disorder does not automatically disqualify you from getting coverage, even though it’s considered a pre-existing condition. During the underwriting process, the insurance company will use your mental health history to determine how much coverage you can get and how much your premium will cost. If you have a mental health condition, here are some of the specific factors that the underwriter will look at when you apply for life insurance: Your age Your gender Whether you have been hospitalized for your disorder When you were diagnosed How severe your condition is How well you follow your treatment plan (if applicable) The frequency of your episodes What medications you take Comorbid disorders (i.e. suffering from anxiety and depression together) Alcohol and tobacco use When applying for life insurance, it’s important to be truthful about your health history. Lying on your life insurance application is fraud and your application can be denied if you get caught. Even if you don’t get caught while applying, your death benefit may not be paid out if it’s determined you lied on your application. There are dozens of life insurance companies out there, and they each have pros and cons. Before you buy a policy, it’s a good idea to shop around and compare some of the .

Frequently asked questions

What do I do if I m worried about my mental health

If you’re concerned about your mental health, the best thing to do is make an appointment with a mental health professional, like a psychologist, psychiatrist or social worker. There are also many online mental health support services if you prefer getting treatment from home.If you need help finding a treatment professional, you can call the Substance Abuse and Mental Health Services Administration’s (SAMHSA) National Helpline at (800) 662-4357. It’s a free and confidential service that provides referrals to local treatment facilities and support groups. You can call the hotline 24/7, 365 days a year and speak to someone in English or Spanish.

How common is mental illness

Mental illness is extremely common. Data shows that one in five American adults suffers from a mental health disorder. An estimated 40 million people nationwide struggle with anxiety alone. Mental health disorders can affect everyone, regardless of age, gender, religion, socio-economic status and lifestyle. The good news is that most mental health disorders are highly treatable, and help is available wherever you are.

What are some warning signs of mental illness

Every mental health disorder has its own unique warning signs, but these can only truly be diagnosed by a mental health professional. However, here are some common symptoms and signs that present with many conditions, although presence of these symptoms does not necessarily indicate a mental health disorder: Feeling sad, angry or irritable Low energy or feeling very tired Insomnia or poor sleep qualify Appetite changes Excessive fear or worry Feeling detached from others Loss of enjoyment in your favorite activities New drug or alcohol use

How does mental illness affect life insurance

The main ways that mental health affects life insurance are coverage limits and price. When you apply for coverage, the underwriter will ask questions about your specific disorder, including how long you have had the disorder, how severe it is and what your treatment plan is like (if you have one).Because mental health disorders are a pre-existing condition, you might pay more for life insurance if you have been diagnosed with a condition like depression or anxiety. In addition, if your illness is severe or if you are not getting treatment, it might limit the amount of coverage you are eligible for.

What are some mental wellness strategies

Mental health disorders should be taken seriously, and it’s important to get professional help if you think you need it. However, there are also lots of strategies you can use to cope with your disorder on a daily basis. Here are some examples that may help, although you should consult a professional to ensure you have a full plan tailored to your specific needs: Getting daily exercise Eating a healthy diet Getting quality sleep Relaxing activities, like reading or drawing Meditation Spending time with loved ones

Mental health resources state by state

There are countless national mental health resources that can be beneficial if you are looking for support. There are also state resources that can help you get connected with local treatment providers, community groups, educational resources and mental health hotlines. In the tables below, we used rankings data from and put each state into a category, based on its prevalence of mental health disorders and access to care. The states are ranked from best to worst in terms of overall quality of life for people who experience mental health disorders. If you’re wondering how to get mental health help in your state, these resources can help.

Top states with low prevalence and high access to care

Top states Contact information and resources Massachusetts

(617) 580-8541 New Jersey

(866) 626-4664 Pennsylvania
(855) 284-2494

(267) 251-6240

(717) 620-9580

(267) 687-4381 Connecticut
(800) 467-3135

(860) 882-0236 Vermont
(802) 241-0090

(800) 639-6480 New York
(800) 597-8481


(844) 529-3042

(212) 684-3264 Wisconsin
(608) 266-2754

(866) 948-6483

(800) 236-2988 Maine
(207) 287-3707

(800) 464-5767 Maryland
(443) 901-1550

(877) 878-2371 Minnesota
(800) 862-1799


(651) 645-2948

Mid-tier states with medium prevalence and median access to care

Mid-tier states Contact information and resources Rhode Island
(401) 726-2285

(401) 331-3060 Illinois
(800) 843-6154

(217) 522-1403 New Hampshire

(603) 225-6633

(603) 225-5359 Hawaii
(808) 586-4400

(808) 521-1846

(808) 591-1297 Kentucky
(502) 564-4456

(859) 684-7778

(888) 338-4164 District of Columbia
(202) 673-2200

(202) 546-0646 South Dakota
(605) 773-3165

(605) 271-1871 Michigan
(517) 241-3740

(517) 898-3907

(517) 485-4049 Louisiana
(225) 342-9500

(225) 291-6262 Virginia
(804) 786-3921


(888) 486-8264 Montana


(406) 546-4793

(406) 443-7871 Delaware
(302) 255-9399


(302) 654-6833

(302) 427-0787 Iowa
(515) 281-7277

(515) 254-0417

(515) 664-6732 California
(888) 452-8609

(916) 567-0163


(888) 210-2515 Ohio
( 800) 720-9616

(614) 466-2596


(614) 221-1441 Nebraska
(402) 471-3121


(402) 345-8101
Georgia
(404) 657-2252


(770) 741-1481

(770) 234-0855 Florida
(850) 300-4323

(850) 671-4445
North Dakota
(701) 328-8920

(701) 328-8920

(701) 255-3692 South Carolina
(803) 898-8581

(800) 788-5131 North Carolina
(984) 236-5000

(919) 788-0801 Washington
(360) 725-1500

(206) 783-4288

(206) 789-7722 Oklahoma
(405) 248-9200

(918) 585-1213

(800) 583-1264 Tennessee
(800) 560-5767



(800) 467-3589 New Mexico
(505) 260-0154

Mississippi
(601) 359-1288

(601) 359-1288

(228) 864-6274

(800) 357-0388 Colorado
(720) 208-2220



(303) 321-3104 West Virginia
(304) 558-0627

(304) 905-0635

States with high prevalence and low access to care

Low states Contact information and resources Arkansas
(844) 763-0198

(800) 844-0381

(501) 954-7470

(501) 372-7062 Missouri

(573) 635.9201

(573) 634-7727 Kansas
(785) 296-4986

(785) 233-0755 Indiana
(800) 677-6442

(317) 638-3501
Utah
(801) 538-3939

(801) 323-9900 Texas


(512) 693-2000 Alabama
(800) 367-0955


(334) 396-4797 Oregon

(503) 230-8009 Alaska
Wyoming
(800) 535-4006

(307) 265-2573 Arizona
(480) 994-4407 Idaho
(208) 334-6997

(208) 520-4210 Nevada
(775) 470-5600 SHARE: Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand.

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