[4/20/17]  Americans are more stressed than ever — and for most of them, their bank accounts are to blame.

The majority of Americans (65%) are losing sleep over money issues, according to a new study from CreditCards.com — up from 56% in 2007. The most common stressor is health care or insurance bills at 38%, followed by saving for retirement at 37%. “What people worry about most changed quite a bit in the past year,” Matt Schulz, senior industry analyst at CreditCards.com said. “Health care has been such a hot button issue for so long, and whether it’s around the election or just about the cost of maintaining your own health care, we’ve seen a big jump in worrying about that.” (Health care was a factor for just 29% of respondents in 2016.)

In addition to health care and retirement, 34% worry the most over educational expenses, 26% about mortgage bills, and 22% due to credit-card debt. Shulz said the share of people who cited credit card debt as the most preoccupying has fallen in recent years, showing despite the fact that credit card debt is hitting record highs, it is the least of consumers’ worries. They may have cause for the lack of sleep: Credit-debt surged passed the $1 trillion mark, according to Federal Reserve data released earlier this month.

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