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Publication · The Science of Diabetes Self-Management and Care · 2026

Financial toxicity and diabetes distress in adults with elevated A1C

Tolentino, D. A., Roca, R. P. E., III, Wang, C., Palao, G. M., Palao, G. J., & Patel, M. R. (2026). The Science of Diabetes Self-Management and Care.

DiabetesFinancial toxicityDiabetes distress
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The big idea

Financial toxicity, the financial burden of living with diabetes, is associated with greater diabetes distress, even after accounting for health, mental health, and other social factors.

Who
566 adults with diabetes and an elevated A1C
How
A cross-sectional survey analyzed with sequential regression, guided by the biopsychosocial model
What we learned
Financial toxicity was independently associated with greater diabetes distress

In plain language

“Financial toxicity” is the financial burden that comes with managing a health condition, such as the cost of medication, supplies, and care. We asked whether it is associated with “diabetes distress,” the emotional burden of living with diabetes, in 566 adults whose blood sugar was above target. Even after we accounted for people’s health, mental health, and other social and economic circumstances, financial toxicity stood on its own as a factor associated with greater diabetes distress.

About this study

Guided by the biopsychosocial model, we used sequential multiple regression to test whether financial toxicity explained diabetes distress beyond biological, psychological, demographic, and other social factors. We measured diabetes distress with the 2-item Diabetes Distress Scale, financial toxicity with a validated measure, psychological distress with the 4-item Patient Health Questionnaire, and unmet social needs with a 21-item index.

Psychological distress was the strongest correlate of diabetes distress, followed by A1C and then financial toxicity. Once financial toxicity was included, unmet social needs were no longer significant on their own, suggesting that social and economic stressors overlap. The takeaway for care: screening for financial toxicity alongside mental health, and pairing financial and emotional support, may help people living with diabetes.

Key themes

1

Financial toxicity counts

Financial toxicity was independently associated with diabetes distress, not explained away by other factors.

2

Mental health first

Psychological distress was the strongest correlate, ahead of A1C and financial toxicity.

3

Screen and support together

Pairing financial screening with mental health support may ease the burden of diabetes.