Personal health records (PHRs) are gaining popularity. As more consumers gain exposure, the traditional predictors of adoption and usage do not always apply. While awareness has been identified in some early studies, the consumers themselves may lack the necessary health literacy skills to understand PHRs. People with limited health literacy skills also may have limited technology skills that may preclude them from adopting and using PHRs. This study addresses the question: Is Health literacy a predictor of PHR adoption and usage? The work in progress includes a literacy test, followed by usage surveys to evaluate PHR usage.