Executive summary

How might patterns of ill health change because of our growing and ageing population? And what are the likely implications for health care services? This report explores these questions and projects future levels of illness in England’s population over the next 20 years. Although we have known for some time that an ageing population will mean an increase in demand for health services, this report gives us a better idea of the scale.

Our changing population

The UK population has grown by around a half over the past century, while life expectancy has increased by more than 20 years. Although improvements have slowed in the most recent decade, longer lives are to be celebrated and, in many ways, capture the social and economic progress society has made. But these changes have also brought with them increased demand for health care services. In 2019/20, spending on health in the UK was about 12 times its level in 1949/50 in real terms. By 2019 almost £1 in every £5 of government spending was devoted to health care.

The amount and pattern of ill health is an important factor in shaping our future prosperity and demand for NHS services. Patterns of death and disability have steadily shifted over time, with sustained reductions in mortality from injury and communicable diseases. Consequently, an increasing proportion of the demand on modern health systems is from long-term conditions – such as heart disease, dementia and diabetes – that affect the quality and length of people’s lives and can be managed with treatment and support, but generally cannot be cured. People living with multiple conditions tend to make more use of health care services, live in pain and discomfort and are at greater risk of developing further illness and dying.

Our main findings

  • Life expectancy for people living in England is expected to increase further over the next 20 years, but the average age at which people are expected to be living with major illness is projected to remain constant at 70 years.
  • The amount of time people are projected to live with major illness is expected to increase from 11.2 years in 2019 to 12.6 years in 2040.
  • The number of people living with major illness is projected to increase by 2.5 million by 2040, more than a third. This implies a shift in the share of the adult population living with major illness, from almost 1 in 6 in 2019 (6.7 million) to almost 1 in 5 in 2040 (9.1 million). Most of the increase in people living with major illness is among those aged 70 years and older.
  • The number of people aged 20–69 years with major illness increased by over a quarter from 2.4 to 3 million in the decade preceding the COVID-19 pandemic.
  • The number of people living with major illness in England is projected to increase by over a third (37%). But the number of 20–69-year-olds (approximately the working age population) is projected to grow by just 4%. This is the group that generates the bulk of government revenues, which are used across all areas of government spending including the NHS.

Our findings matter because anticipating and planning for changes in demand for health care services over the coming decades is vital for policymaking. Investments in health care delivery must often be made years in advance: the workforce requires training, physical infrastructure needs to be built and capital requires careful investment. In addition, these projected changes in ill health have implications that extend far beyond the NHS. They are important for planning other public services, the labour market and pensions policy.

How we project ill health over the next two decades

In this analysis, we aim to inform the debates and decision making about the future need for health care by projecting levels of illness in England’s adult population up to 2040. To measure ill health we look at 20 health conditions that account for 65% of the burden of illness in England. These conditions comprise the Cambridge Multimorbidity Score (CMS), a useful metric for comparing different combinations of long-term conditions, which have very different impacts on quality of life and demand for health services. The CMS assigns a weight to different illnesses based on their impact on the health care system and individuals’ life expectancy. These scores range from 0.08 for hypertension to 1.53 for cancer and 2.50 for dementia.

We split the population into three groups: those with no diagnosed illness; those with some illness (any of the 20 conditions); and those with ‘major illness’, that is, either a single or combination of conditions that total a CMS of greater than 1.5. We use diagnosed illness rather than self-reported health in this analysis because we are interested in different forms of morbidity and our primary aim is to understand the potential impact on health care demand. Self-reported health, while useful under other circumstances, is subjective, reflecting a combination of illness levels, expectations of wellbeing and the impact of treatment.

To project patterns of ill health over the next two decades we use an epidemiological model that is based on existing evidence and the impact of key risk factors – such as smoking, alcohol, obesity, diet and exercise – on rates of illness by age and other characteristics. In our analysis we focus on adults – patterns of illness in childhood and young adulthood are important but beyond the scope of this work.

Overall, our analysis has several limitations. It is based on current evidence on the incidence of illness but there are significant gaps in this evidence. Crucially, our projections assume the impact of each of the 20 illnesses on services and individuals in 20 years’ time will be the same as in 2019. The projections we provide are a base case, designed to give an informed assessment of what could happen in the future based on current data and trends (see Box 1 for further detail on our limitations). They are not forecasts of the future. The value of projections is to support policymakers to both better prepare for the future and to act where policy change could lead to better outcomes.

People are living longer but with major illness

In the past century, life expectancy in England has improved by over 20 years. This, combined with low birth rates since the early 1970s, has instigated a large demographic shift in the population. Between 2019 and 2040, the population is projected to grow by 3.5 million, with almost all of the increase among people aged 70 years and older (3.3 million).

In addition to this demographic shift, the average number of years people spend living with major illness is projected to increase. This is because, although the age at which people are expected to be living with major illness is projected to stay the same, life expectancy is projected to increase. This means, on average, people are expected to live longer with illness.

Figure E1 shows how the age at which people are expected to be living with any illness or major illness, and overall life expectancy, changed between 2010 and 2019. It then projects illness and life expectancy to 2040 given changes in the population’s age profile and trends in the key risk factors of ill health. Between 2010 and 2019 the age at which people were expected to be living with major illness remained constant at around 70 years. At the same time, average life expectancy increased by just over a year (from 80.6 years in 2010 to 81.7 years by 2019). As a result, people are spending 1.3 more years on average living with major illness in England compared with 2010. There has also been a reduction in the age at which people can expect to be living with at least one diagnosed illness.

The trend of people living longer but with major illness is projected to continue over the next 20 years. Projecting to 2040, life expectancy is expected to extend further to 83.1 years, an increase of about 8 months per decade. As the age at which people are expected to be living with major illness is projected to remain constant, if these trends continue the amount of time people are projected to live with major illness will increase.

Figure E1: Average years of life people spend in different states of ill health, England, 2010, 2019 and projected for 2040

Source: Analysis of linked health care records and mortality data conducted by the REAL Centre and the University of Liverpool.

Notes: The black capped bars represent uncertainty intervals. The chart shows expectancy, which is a summary measure. In reality illness and death are distributed across all ages.

The increase in the number of years people are projected to live with major illness comes despite some individual-level risk factors – smoking, cholesterol and blood pressure – showing favourable trends. The health of the population is the result of a complex mix of many moving parts, but there are two key factors driving our projection that people will live longer with ill health.

First, with the exception of coronary heart disease (falling) and asthma (rising), the incidence of illness by age is projected to be more or less stable. In large part, this reflects rising levels of obesity over recent decades, counteracting the favourable trends in smoking, cholesterol and blood pressure. Many long-term health conditions are associated with obesity and obesity rates almost doubled in England between 1993 and 2019. Although we project a more muted increase in the future, many more of the cohort of people living into old age between 2019 and 2040 will have spent prolonged periods of their life with obesity. This change brings an accumulated increase in their risk of developing long-term illness.

The second factor is that medical advances have meant that people are living longer lives but not, on average, spending more time in good health. Without ‘cures’ for many conditions, people are therefore living their additional years with illness and the average person is living with more ill health.

The number of people living with major illness is projected to increase by more than a third, reaching almost 1 in 5 by 2040

Relatively modest changes in the overall size of England’s population are expected over the next two decades – increasing by around 3% per decade compared with 7% from 2010 to 2019. But nearly all population growth will be among people aged 70 years and older (3.3 million out of 3.5 million). Overall, the number of people living with major illness is projected to grow by 2.5 million, from 6.7 million people in 2019 to 9.1 million by 2040 – an increase of more than a third. By 2040, almost 1 in 5 people (19%) aged 20 years and older are projected to be living with major illness, moving from almost 1 in 6 in 2019.

The majority (80%) of the projected increase in major illness is among those aged 70 years and older. The number of people aged 20–69 years with major illness increased by over a quarter in the decade preceding the pandemic, from 2.4 to 3 million. Our projections suggest that by 2030 this will increase again, by a sixth, before stabilising to 2040, resulting in 3.5 million working age people living with major illness.

The number of people living with major illness in England is projected to increase by over a third (37%). But the number of 20–69-year-olds (approximately the working age population) is projected to grow by just 4% – this is the group that generates the bulk of government revenues. These revenues are used across all areas of government spending including the NHS.

Figure E2: The estimated number of people living with major illness in England, past and projected

Source: Analysis of linked health care records and mortality data conducted by the REAL Centre and the University of Liverpool.

Note: The black capped bars represent uncertainty intervals. To better represent the working age population, for Figures 5 and 6 we present the estimated and projected number of people living with and without major illness aged 20 years and older. The model is designed to project the population aged 30 years and older. We therefore assume that the proportion of people living with major illness aged 20–29 years is the same in 2040 as in 2019. For more detail see our modelling working paper. Watt T, Raymond A, Rachet-Jacquet L, Head A, Kypridemos C. A microsimulation model for multimorbidity in England. The Health Foundation; 2023.

These projections are an extension of what we saw in the decade before the pandemic. From 2010 to 2019, the population grew by 3.6 million and we saw an increase of 1.4 million people living with major illness – more than a 25% increase.

Conditions typically diagnosed and managed in primary care are projected to increase at the fastest rates

For health care planning it is also essential to understand trends within individual conditions. We project an increase in prevalence of 19 of the 20 conditions we looked at. The exception is coronary heart disease, which is projected to fall from 6.6% of the population aged 30 years and older in 2019 to 5.3% in 2040. This is the result of declining smoking rates combined with wider use of more effective preventive medication.

Figure E3 shows the projected number of diagnosed cases for the 10 conditions with the highest impact on health care use and mortality in 2019 and 2040. The largest increases in absolute number are for chronic pain and diabetes. We also project over a 30% increase in the number of people living with cancer, chronic obstructive pulmonary disease (COPD) and chronic kidney disease. In most cases, these increases are driven by population ageing rather than a rise in age-specific rates or earlier onset: rates of illness rise with age – for example 1 in 5 people aged 80–84 years has type 2 diabetes, more than double the rate of those aged 55–59 years. Our projected increase in prevalence is not the result of large increases in age-specific rates of incidence: of the 20 conditions, only asthma is projected to increase in incidence.

These changes denote a gradual shift in the health care needs of the population over time. The fastest growth is in conditions that are predominantly managed in primary or other non-acute care settings, making this an important area for further research. In addition, the growth in prevalence increases the complexity of care delivery, with more people living with multiple conditions. In 2019, people aged 70–74 years had an average of 2.7 diagnosed conditions. People aged 85 years and older had an average of 5.2 diagnosed conditions. By 2040, the number of people aged 85 years and older will increase but our projections also suggest that they will have an average of 5.7 conditions – increasing the complexity of managing their health needs.

Figure E3: Projected total number of diagnosed cases for the 10 conditions with the highest impact on health care use and mortality among those aged 30 years and older, including demographic changes, England, 2019 and projected for 2040

Source: Analysis of linked health care records and mortality data conducted by the REAL Centre and the University of Liverpool.

Note: Red shaded bars represent uncertainty intervals. COPD is chronic obstructive pulmonary disease.

Helping people to live well with illness

One critical question is whether this rise in the number of people living with major illness is inevitable. Reducing the number of people living with major illness over the next two decades would be a very substantial challenge: four-fifths of the projected increase in the average level of ill health is the result of population ageing. This is the result of longer life expectancy among people aged 70 years and older rather than increasing rates of illness within age groups.

Prevention aims to delay the age at which people develop these long-term health conditions but often there is also a gain in life expectancy, particularly when combined with improvements in treatment. As people live longer, they may also develop other diseases. The overall effect of disease prevention programmes on the amount of illness, its severity and need for health services is therefore complex. Preventing disease and delaying its onset produces important benefits to individuals and communities. But because delayed illness often leads to longer life, it may not automatically reduce pressures on the health system.

Given more people are projected to be living with major illness and multiple conditions, helping people to live well with illness is important and a key challenge for the health service. New technologies and health care innovation raise the possibility that some major illness could become more minor, in terms of its impact on people’s quality of life and life expectancy.

The impact of technological development on the cost of services is even harder to predict. There are some technologies that are purely cost saving, allowing the health system to deliver the same or a similar service at a reduced cost, but these are relatively rare. Instead, many new technologies offer improved outcomes or treatment experience (such as reduced side effects). Improved treatments then tend to come with a higher cost per patient or mean that many more patients are suitable. Technological innovation in health care can take several forms ranging from new drugs, new diagnostic and monitoring equipment, the use of data to streamline models of care and the science of genomics that allows for the development of personalised medicine. These changes can improve prevention and early diagnosis, as well as help patients live better with their illness. However, it is hard to know in advance how this kind of progress will affect these projections.

A ‘good problem’ to have?

This report provides sobering reading: there is a large projected increase in levels of ill health to 2040 primarily driven by an older population, and this is likely to be expensive. This will have implications for decisions about investment in health care, as well as for other public services, the labour market and pensions policy. However, these changes are also a testament to progress and a source of optimism – in many respects this is a good problem to have. There have been large improvements in life expectancy over the past 100 years, driven by improved living standards, public health interventions and advances in medical technology. Over the next 20 years, we project on average that people will spend their additional years with major illness rather than live longer in good health.

The purpose of the NHS, other public services and the wider welfare system is to benefit the lives of the people who live in England, while trying to make the most efficient use of the resources available. The health of the economy and the health of the population move in lockstep. Therefore the projections we present in this report highlight the importance of cross-government, long-term action. This is the only way to ensure our society and economy are set up to meet the needs of our changing population.


The CMS conditions comprise 65% of all disability-adjusted life years (DALY) and 73% of those due to chronic illness in England in 2019 as per the Global Burden of Disease (Institute for Health Metrics and Evaluation (IHME), 2019).

In 2019 for those aged 30 years and older in England with any illness (CMS greater than 0), nearly a third of all individuals had a score greater than 1.5 (70th percentile). The mean score was 1.2 and the median score was 0.8.

§ During this time electronic patient records have improved so it is unclear how much of the increase is driven by better diagnosis or greater prevalence of lower levels of illness. Particularly, reported anxiety and depression has increased rapidly since 2010.

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