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Home / ICD-10-CM / Chapter 21: Factors influencing health status and contact with health services (Z00-Z99) / Persons with potential health hazards related to socioeconomic and psychosocial circumstances (Z55-Z65)

Z59.86: Financial insecurity

ICD-10-CM code Z59.86

No longer billable ยท FY2026

Not billable: this is a header. Use one of the more specific codes below.

  • No longer billable from October 1, 2025: it became a header for more specific codes: Z59.861, Z59.868, Z59.869.

Code breakdown

Z59.86

  1. Z59CategoryProblems related to housing and economic circumstances
  2. 8Character 4Other problems related to housing and economic circumstances
  3. 6Character 5Financial insecurity

Coding notes

Inclusion terms

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

Excludes2

  • extreme poverty (Z59.5)
  • low income (Z59.6)
  • material hardship, not elsewhere classified (Z59.87)

Excludes2 (from Z59)

  • problems related to upbringing (Z62.-)

Codes under Z59.86

  • Z59.861 Financial insecurity, difficulty paying for utilities
  • Z59.868 Other specified financial insecurity
  • Z59.869 Financial insecurity, unspecified

Check this code

All FY2026 ICD-10-CM changes

ICD-10-CM codes and descriptions are from the CMS and NCHS code files. Coverage is from the CMS Medicare Coverage Database billing and coding articles.