Z59.86 Financial insecurity

The ICD-10-CM code for Financial insecurity is Z59.86 (FY2026). It is a non-billable category code — select a more specific code below for claims.

Classification

Chapter

21: Factors influencing health status and contact with health services (Z00-Z99)

Section

Z55-Z65: Persons with potential health hazards related to socioeconomic and psychosocial circumstances (Z55-Z65)

Category Z59

33 codes (25 billable)

FY2026 Status

Stable since FY2024

Inclusion Terms

• Burdensome debt
• Economic strain
• Financial strain
• Money problems
• Running out of money
• Unable to make ends meet

U.S. Hospital Utilization

• An estimated 90,875 U.S. inpatient stays in 2023 included Z59.86 among the documented diagnoses.

Source: National Inpatient Sample (NIS), Healthcare Cost and Utilization Project (HCUP), Agency for Healthcare Research and Quality, 2016–2023. National survey-weighted estimates.

Official Coding Guidelines

Used with any code in range A00.0-T88.9, Z00-Z99

1) Used with any code in the range of A00.0-T88.9, Z00-Z99 An external cause code may be used with any code in the range of A00.0-T88.9, Z00-Z99, classification that represents a health condition due to an external cause. Though they are most applicable to injuries, they are also valid for use with such things as infections or diseases due to an external source, and other health conditions, such as a heart attack that occurs during strenuous physical activity.

Additional codes with observation code (fragment)

observation code, but only if they are unrelated to the suspected condition being observed.

Source: CMS — ICD-10-CM Official Guidelines for Coding and Reporting, FY2026

References

• CMS — ICD-10-CM Official Code Set and Guidelines, FY2026
• CDC/NCHS — ICD-10-CM Files and Browser Tool
• AHRQ — HCUP National Inpatient Sample, Frequencies by Diagnosis Code (2016–2023)