Covered By Insurance But Still Exposed: Barriers to Care for Insured Americans is the second installment of PhRMA’s Patient Experience Survey, a research initiative designed to explore the challenges facing Americans as they navigate the health care system, with a spotlight on those who pay insurance premiums but still find it difficult to afford care when they need it. The study aims to better understand how patients engage with the health care system, uncover the real, practical challenges Americans face around access and affordability and identify solutions that could make a meaningful difference.