Z59.861 – Financial insecurity, difficulty paying for utilities

ICD-10-CM 2027 diagnosis code · Persons with potential health hazards related to socioeconomic and psychosocial circumstances

Billable code

ICD-10-CM code Z59.861
Code
Z59.861 (claims format: Z59861)
Description
Financial insecurity, difficulty paying for utilities
Billable
Yes – valid for HIPAA-covered transactions
Valid for
Dates of service October 1, 2026 – September 30, 2027 (FY2027)
Chapter
21. Factors influencing health status and contact with health services (Z00-Z99)
Block
Z55-Z65 Persons with potential health hazards related to socioeconomic and psychosocial circumstances
Parent codes
Z59 › Z59.8 › Z59.86

Notes for Z59.861

Applicable to:
  • Difficulty paying for electricity
  • Difficulty paying for heat
  • Difficulty paying for oil
  • Difficulty paying water bill
  • Utility disconnect notice due to inability to pay
Excludes2 (not included here):
  • inadequate housing utilities (Z59.12)

Notes inherited from parent codes

Instructional notes at a category or block level apply to every code below it.

Z59 – Problems related to housing and economic circumstances

Excludes2 (not included here):
  • problems related to upbringing (Z62.-)

Z59.86 – Financial insecurity

Applicable to:
  • Burdensome debt
  • Economic strain
  • Financial strain
  • Money problems
  • Running out of money
  • Unable to make ends meet
Excludes2 (not included here):
  • extreme poverty (Z59.5)
  • low income (Z59.6)
  • material hardship, not elsewhere classified (Z59.87)

Index terms for Z59.861

Entries in the ICD-10-CM alphabetic index that lead to this code:

Related codes in Z59.86

Frequently asked questions

What is ICD-10 code Z59.861?

Z59.861 is the ICD-10-CM code for financial insecurity, difficulty paying for utilities, in the block Z55-Z65 (Persons with potential health hazards related to socioeconomic and psychosocial circumstances).

Is Z59.861 a billable code?

Yes. Z59.861 is a billable/specific code that can be used to indicate a diagnosis for reimbursement purposes.

What category does Z59.861 belong to?

It belongs to category Z59 – Problems related to housing and economic circumstances.

Source: CDC/NCHS ICD-10-CM FY2027 code files, tabular list and index. Reference only – code assignment must follow the official ICD-10-CM guidelines and documentation in the medical record.