Energy bills: 40% still struggle to pay — what households can do

On 14 October 2026, energy regulator Ofgem published a survey of 4,460 adults across England, Scotland and Wales. Fieldwork took place in February and March 2026, so the figures describe that period rather than this week. 40% said they were keeping up with energy bills but struggling; 4% were behind. Separately, 44% reported keeping up with household bills generally but struggling. Northern Ireland was outside the survey.

Check whether your tariff still suits you

In the same survey, 52% had switched supplier or tariff, while 24% had not switched for five years. Switching does not guarantee a saving: 15% of those reporting multiple barriers said they could not find a cheaper option. Ofgem recommends comparing offers from your current supplier and others using actual consumption, unit rates, standing charges and exit terms.

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If payment is becoming difficult

1. Contact your supplier early. Under Ofgem’s guidance, ask about an affordable payment plan, payment break or reduction, a review of debt repayments, and hardship funds. Keep a record of the arrangement.
2. Compare tariffs. Use your latest bill and annual usage. Compare estimated total cost and terms, rather than only the monthly Direct Debit. Ofgem’s switching guide explains the process. Heat-network customers cannot switch the heat supplier.
3. Check local and national support. Ofgem links to UK, Scottish and Welsh support and suggests checking with your council. It also points small firms to business support services and Business Debtline for debt advice.
4. Act on arrears. If your supplier does not provide appropriate help, use its complaints process. If you have several debts, seek free advice before agreeing to payments you cannot sustain.

A separate Ofgem and Citizens Advice survey conducted in July and August and published on 14 October found that 21% of people behind on energy payments said their supplier had not contacted them. This is a different sample and period; its percentages cannot be combined with the February–March survey. It is sensible to start the conversation yourself rather than wait for a call.

Sources: Ofgem’s affordability survey, supplier service survey, official support options and switching guidance. Checked 14 October 2026.