Why "Pre-existing conditions" is a phony, blown out of proportion issue.

[healthmyths]

AGAIN... Folks stay on topic!
Pre-existing conditions was a phony blown out of proportion argument just as Obama's "46 million uninsured Americans" was and both were used to completed destroy the
Health insurance industry!
And folks you do that because Obama told us he preferred a single payer system... guess what happens!

4,000 companies go out of business.
These companies employed 450,000 people that will need unemployment benefits that won't be paying payroll taxes
These companies pay over $100 billion a year in Federal/state/local (including property taxes on buildings in some cities you people live in and guess what goes up???)

All because grossly ignorant people who under Obama care forced these same insurance companies to raise their premiums because of :
1) ACA required a 85% expenditure of premiums for claims... 85%??? That left 15% for overhead,salaries and GUESS what else you and the Obama dummies seem to forget..PROFIT!
2) Why is profit so important? CALLED RESERVES for future claims! See again most idiots don't seem to realize when an insurance company insures it means they have to pay
claims in the future! To do that you have to have reserves and that is a STATE by STATE LAW! You can't sell insurance in any state in America without reserves for CLAIMS!

So these idiots increased the average insurance companies Medical liability ratio which was about 80% to 85%! This additional forced 85% now meant insurance companies had
to A) drop out of the health insurance business. or B) raise premiums. WHICH is what happened!

Most people don’t get a rebate check, because most insurers are spending the majority of premiums on medical costs
Across all market segments, the majority of insurers are meeting or exceeding the MLR rules, which is why most people don’t receive MLR rebate checks. According to the data that was calculated in 2017 (for plan years 2014-2016), the average individual market MLR was 92.9 percent and the average small group MLR was 86.1 percent (both well above the 80 percent minimum requirement). In the large-group market, the average MLR was 90.3 percent, also well above the 85 percent minimum requirement for that market segment. For all three market segments, the average MLR reported for 2017 was the highest it had ever been.
Billions in ACA rebates show 80/20 Rule’s impact

So the idiots of Obamacare said hey you insurance companies... making too much profit. Either spend it on health care costs or pay a rebate!
Well guess what you idiots!!!!

The industry was shit before Obamacare.

FACTS where are your facts it was "SHIT"???

87% of Americans had some type of health coverage.

MY FACTS... Health Insurance Coverage of the Total Population
49% by employers... 7% private.... 19% Medicaid... 14% Medicare ..... 2% Other Public... total 87%!!!
and of the UNINSURED! less than 6 million that wanted health insurance!

No what the problem is that ignorant people like you make dumb ass totally unsubstantiated statements like "46 million americans are uninsured" or "half of all americans have
pre-existing conditions" and dummies like you and the MSM repeat them as if they were TRUE!

Prove to me before you make dumb unsubstantiated comments! Prove IT

 

[Oddball]

So, businesses should sell product at a loss? I'm just pointing out the flaws in your way of thinking. You need to brush up on the basics on how insurance works. It doesn't work on the principle that you wait until after you have a disaster to get it.

But math is sooooo harrrrrrd!

 

[Soggy in NOLA]

So, businesses should sell product at a loss? I'm just pointing out the flaws in your way of thinking. You need to brush up on the basics on how insurance works. It doesn't work on the principle that you wait until after you have a disaster to get it.

But math is sooooo harrrrrrd!

Apparently.

 

[healthmyths]

So you're going to try and demand what another person to do, while bearing absolutely no responsibility for the consequences when they do it.

Seems totally fair!

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

People should pay their own healthcare bills.

It is called personal responsibility.

A concept you stupid greedy Moon Bats have a very difficult time understanding.

Have you seen how much everything costs?

AND again.. have you paid any attention to one of the factors and NONE of you seem willing to attack lawyers that doctors are telling you cause over $850 BILLION a year in wasted health care costs!
READ READ READ!

 

[Brain357]

AGAIN... Folks stay on topic!
Pre-existing conditions was a phony blown out of proportion argument just as Obama's "46 million uninsured Americans" was and both were used to completed destroy the
Health insurance industry!
And folks you do that because Obama told us he preferred a single payer system... guess what happens!

4,000 companies go out of business.
These companies employed 450,000 people that will need unemployment benefits that won't be paying payroll taxes
These companies pay over $100 billion a year in Federal/state/local (including property taxes on buildings in some cities you people live in and guess what goes up???)

All because grossly ignorant people who under Obama care forced these same insurance companies to raise their premiums because of :
1) ACA required a 85% expenditure of premiums for claims... 85%??? That left 15% for overhead,salaries and GUESS what else you and the Obama dummies seem to forget..PROFIT!
2) Why is profit so important? CALLED RESERVES for future claims! See again most idiots don't seem to realize when an insurance company insures it means they have to pay
claims in the future! To do that you have to have reserves and that is a STATE by STATE LAW! You can't sell insurance in any state in America without reserves for CLAIMS!

So these idiots increased the average insurance companies Medical liability ratio which was about 80% to 85%! This additional forced 85% now meant insurance companies had
to A) drop out of the health insurance business. or B) raise premiums. WHICH is what happened!

Most people don’t get a rebate check, because most insurers are spending the majority of premiums on medical costs
Across all market segments, the majority of insurers are meeting or exceeding the MLR rules, which is why most people don’t receive MLR rebate checks. According to the data that was calculated in 2017 (for plan years 2014-2016), the average individual market MLR was 92.9 percent and the average small group MLR was 86.1 percent (both well above the 80 percent minimum requirement). In the large-group market, the average MLR was 90.3 percent, also well above the 85 percent minimum requirement for that market segment. For all three market segments, the average MLR reported for 2017 was the highest it had ever been.
Billions in ACA rebates show 80/20 Rule’s impact

So the idiots of Obamacare said hey you insurance companies... making too much profit. Either spend it on health care costs or pay a rebate!
Well guess what you idiots!!!!

The industry was shit before Obamacare.

FACTS where are your facts it was "SHIT"???

87% of Americans had some type of health coverage.

MY FACTS... Health Insurance Coverage of the Total Population
49% by employers... 7% private.... 19% Medicaid... 14% Medicare ..... 2% Other Public... total 87%!!!
and of the UNINSURED! less than 6 million that wanted health insurance!

No what the problem is that ignorant people like you make dumb ass totally unsubstantiated statements like "46 million americans are uninsured" or "half of all americans have
pre-existing conditions" and dummies like you and the MSM repeat them as if they were TRUE!

Prove to me before you make dumb unsubstantiated comments! Prove IT

The World Health Organization (WHO), in 2000, ranked the U.S. health care system as the highest in cost, first in responsiveness, 37th in overall performance, and 72nd by overall level of health (among 191 member nations included in the study).

 

[healthmyths]

If they want to remain in the insurance business, they have to cover everyone who applies

Seems fair

So you're going to try and demand what another person to do, while bearing absolutely no responsibility for the consequences when they do it.

Seems totally fair!

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

HOW many severely sick people LOSE everything? Where are your facts? AGAIN sounds so caring, so thoughtful but yet you haven't any proof!
FACTS are if you read the below ... NONE would have to if YOU read the facts!

 

[healthmyths]

AGAIN... Folks stay on topic!
Pre-existing conditions was a phony blown out of proportion argument just as Obama's "46 million uninsured Americans" was and both were used to completed destroy the
Health insurance industry!
And folks you do that because Obama told us he preferred a single payer system... guess what happens!

4,000 companies go out of business.
These companies employed 450,000 people that will need unemployment benefits that won't be paying payroll taxes
These companies pay over $100 billion a year in Federal/state/local (including property taxes on buildings in some cities you people live in and guess what goes up???)

All because grossly ignorant people who under Obama care forced these same insurance companies to raise their premiums because of :
1) ACA required a 85% expenditure of premiums for claims... 85%??? That left 15% for overhead,salaries and GUESS what else you and the Obama dummies seem to forget..PROFIT!
2) Why is profit so important? CALLED RESERVES for future claims! See again most idiots don't seem to realize when an insurance company insures it means they have to pay
claims in the future! To do that you have to have reserves and that is a STATE by STATE LAW! You can't sell insurance in any state in America without reserves for CLAIMS!

So these idiots increased the average insurance companies Medical liability ratio which was about 80% to 85%! This additional forced 85% now meant insurance companies had
to A) drop out of the health insurance business. or B) raise premiums. WHICH is what happened!

Most people don’t get a rebate check, because most insurers are spending the majority of premiums on medical costs
Across all market segments, the majority of insurers are meeting or exceeding the MLR rules, which is why most people don’t receive MLR rebate checks. According to the data that was calculated in 2017 (for plan years 2014-2016), the average individual market MLR was 92.9 percent and the average small group MLR was 86.1 percent (both well above the 80 percent minimum requirement). In the large-group market, the average MLR was 90.3 percent, also well above the 85 percent minimum requirement for that market segment. For all three market segments, the average MLR reported for 2017 was the highest it had ever been.
Billions in ACA rebates show 80/20 Rule’s impact

So the idiots of Obamacare said hey you insurance companies... making too much profit. Either spend it on health care costs or pay a rebate!
Well guess what you idiots!!!!

The industry was shit before Obamacare.

FACTS where are your facts it was "SHIT"???

87% of Americans had some type of health coverage.

MY FACTS... Health Insurance Coverage of the Total Population
49% by employers... 7% private.... 19% Medicaid... 14% Medicare ..... 2% Other Public... total 87%!!!
and of the UNINSURED! less than 6 million that wanted health insurance!

No what the problem is that ignorant people like you make dumb ass totally unsubstantiated statements like "46 million americans are uninsured" or "half of all americans have
pre-existing conditions" and dummies like you and the MSM repeat them as if they were TRUE!

Prove to me before you make dumb unsubstantiated comments! Prove IT

The World Health Organization (WHO), in 2000, ranked the U.S. health care system as the highest in cost, first in responsiveness, 37th in overall performance, and 72nd by overall level of health (among 191 member nations included in the study).

AND what other country has to have this as a major contributory to the HIGHEST in cost???
Why do you defend lawyers???

 

[Brain357]

If they want to remain in the insurance business, they have to cover everyone who applies

Seems fair

So you're going to try and demand what another person to do, while bearing absolutely no responsibility for the consequences when they do it.

Seems totally fair!

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

HOW many severely sick people LOSE everything? Where are your facts? AGAIN sounds so caring, so thoughtful but yet you haven't any proof!
FACTS are if you read the below ... NONE would have to if YOU read the facts!
View attachment 221902

https://www.snopes.com/fact-check/643000-bankruptcies-in-the-u-s-every-year-due-to-medical-bills/

 

[healthmyths]

You are missing the point

What happens to those who have pre-existing conditions who are fired or want to leave their current employer?
Going on the open market means rejection or exorbitant premiums

Do you think those with pre-existing conditions should pay the same rate as you?

Since when does lack of prior planning on your part, constitute an emergency on my part?

So you must support the Obamacare mandate

Every American should be covered in case of a health emergency. People who are sick should not be priced out of the market

Why should a private insurance company be required to accept everyone? I could understand your point if said insurance company took money from the govt to startup but not a company that uses its own money for startup.

Sounds like using private insurers is a bad system.

Sounds like idiots have NO idea of why nearly $1 trillion in health care costs is a waste!
Please address the attached point ...unless you love lawyers or are a lawyer there is no reason why this is happening!

 

[g5000]

But wait... 56% have group health insurance that covers them... that means.. 24.5 million without group insurance.
But wait...7% of Americans have private insurance so that leaves 22.7 million with out health insurance that might have "pre-existing conditions"...and can't get insurance... but WAIT...

You are an idiot, and have no idea how health insurance works.

Just because someone has insurance does not mean they aren't paying more for that insurance because of their pre-exising condition, you fucking moron.

I once worked at a company with 50 employees who had group insurance. One woman in the company had a serious medical condition which caused ALL of our insurance premiums to skyrocket.

Just about every one of your premises in your OP had giant flaws. This was one of the worst.

 

[Polishprince]

`
"For years, people who had been diagnosed with chronic health problems found it difficult, if not impossible, to purchase health insurance on the private market. Those who did manage to obtain coverage often paid premiums that were much higher than those paid by most people in their age-bracket. This hindrance to coverage forced many into bankruptcy as they were forced to pay for their medical coverage without the benefit of a health insurance plan. The Affordable Care Act (ACA), which went into effect on January 1, 2014, changed all that."

• In 2010, ProPublica reported that health insurance providers turned down coverage for 1 out of 7 people because of pre-existing conditions.
• This resulted in more than 651,000 people being denied health insurance by the top four insurance companies over a three-year period.
• Between 2007 and 2009, the number of people who were denied coverage for pre-existing conditions increased as much as 49%.

Source

`

So, you walk into an insurance company with lymphoma stating you need coverage. You haven't paid a dime in premiums, yet the insurance company is now on the hook for 100's of thousands of $$ of treatments.. tell us, how does this work out?

If they want to remain in the insurance business, they have to cover everyone who applies

Seems fair

Makes a pretty poor system when everyone isn’t covered.

How do you figure? Not everyone needs coverage- some people never go to the doctor or hospital ever.

My grandfather came to America in 1908 and didn't believe in doctors. Never went to them for 60 years even a single time. He wasn't feeling so well in the late 60's, and he finally gave into pressure from my aunt to visit a medical doctor.


They admitted him to the hospital and they killed him within a fortnight.

In any event, medical coverage was pointless for him

 

[Flash]

So you're going to try and demand what another person to do, while bearing absolutely no responsibility for the consequences when they do it.

Seems totally fair!

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

People should pay their own healthcare bills.

It is called personal responsibility.

A concept you stupid greedy Moon Bats have a very difficult time understanding.

Have you seen how much everything costs?

Thanks to government interference.

Government sucks and fucks up everything it touches.

 

[Brain357]

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

People should pay their own healthcare bills.

It is called personal responsibility.

A concept you stupid greedy Moon Bats have a very difficult time understanding.

Have you seen how much everything costs?

Thanks to government interference.

Government sucks and fucks up everything it touches.

Greed plays a big role. There is no downward pressure to costs. The market doesn’t work with healthcare.

 

[LordBrownTrout]

AGAIN... Folks stay on topic!
Pre-existing conditions was a phony blown out of proportion argument just as Obama's "46 million uninsured Americans" was and both were used to completed destroy the
Health insurance industry!
And folks you do that because Obama told us he preferred a single payer system... guess what happens!

4,000 companies go out of business.
These companies employed 450,000 people that will need unemployment benefits that won't be paying payroll taxes
These companies pay over $100 billion a year in Federal/state/local (including property taxes on buildings in some cities you people live in and guess what goes up???)

All because grossly ignorant people who under Obama care forced these same insurance companies to raise their premiums because of :
1) ACA required a 85% expenditure of premiums for claims... 85%??? That left 15% for overhead,salaries and GUESS what else you and the Obama dummies seem to forget..PROFIT!
2) Why is profit so important? CALLED RESERVES for future claims! See again most idiots don't seem to realize when an insurance company insures it means they have to pay
claims in the future! To do that you have to have reserves and that is a STATE by STATE LAW! You can't sell insurance in any state in America without reserves for CLAIMS!

So these idiots increased the average insurance companies Medical liability ratio which was about 80% to 85%! This additional forced 85% now meant insurance companies had
to A) drop out of the health insurance business. or B) raise premiums. WHICH is what happened!

Most people don’t get a rebate check, because most insurers are spending the majority of premiums on medical costs
Across all market segments, the majority of insurers are meeting or exceeding the MLR rules, which is why most people don’t receive MLR rebate checks. According to the data that was calculated in 2017 (for plan years 2014-2016), the average individual market MLR was 92.9 percent and the average small group MLR was 86.1 percent (both well above the 80 percent minimum requirement). In the large-group market, the average MLR was 90.3 percent, also well above the 85 percent minimum requirement for that market segment. For all three market segments, the average MLR reported for 2017 was the highest it had ever been.
Billions in ACA rebates show 80/20 Rule’s impact

So the idiots of Obamacare said hey you insurance companies... making too much profit. Either spend it on health care costs or pay a rebate!
Well guess what you idiots!!!!

The industry was shit before Obamacare.

It has only gotten exponentially worse with Ocare. At least that mandate will be gone in a couple of months.

 

[healthmyths]

So you're going to try and demand what another person to do, while bearing absolutely no responsibility for the consequences when they do it.

Seems totally fair!

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

HOW many severely sick people LOSE everything? Where are your facts? AGAIN sounds so caring, so thoughtful but yet you haven't any proof!
FACTS are if you read the below ... NONE would have to if YOU read the facts!
View attachment 221902

https://www.snopes.com/fact-check/643000-bankruptcies-in-the-u-s-every-year-due-to-medical-bills/

First of all SNOPES statement was a mixture of truth and falsehood!

The reason:. However, in that analysis NerdWallet repeatedly stated that their findings were “estimates” or “extrapolations,” and some of their data were quite old even back in 2013.


The best way to avoid medical bankruptcy is to prevent medical bills.
To do that, you must prevent or manage chronic diseases.
The most expensive are diabetes, at $26,971 per family, and neurological disorders like multiple sclerosis, which cost $34,167 on average.
The biggest expense is hospitalization, which caused half of the bankruptcies.

High medical bills from accidents can't be avoided. For those situations, a financial cushion is a must. Sock away three to six months of expenses in a savings or money market account. Only a third of Americans have more than $1,000 in savings.

As the research shows, health insurance won't completely protect you. Many people were bankrupted by high deductibles and other out-of-pocket expenses.
You should have at least the amount of your deductible in savings
Do Medical Bills Really Bankrupt America's Families?

But why don't you attack lawyers because of what they do to encourage this waste? Why do you love lawyers that you won't even mention this? Are you afraid?

 

[healthmyths]

AGAIN... Folks stay on topic!
Pre-existing conditions was a phony blown out of proportion argument just as Obama's "46 million uninsured Americans" was and both were used to completed destroy the
Health insurance industry!
And folks you do that because Obama told us he preferred a single payer system... guess what happens!

4,000 companies go out of business.
These companies employed 450,000 people that will need unemployment benefits that won't be paying payroll taxes
These companies pay over $100 billion a year in Federal/state/local (including property taxes on buildings in some cities you people live in and guess what goes up???)

All because grossly ignorant people who under Obama care forced these same insurance companies to raise their premiums because of :
1) ACA required a 85% expenditure of premiums for claims... 85%??? That left 15% for overhead,salaries and GUESS what else you and the Obama dummies seem to forget..PROFIT!
2) Why is profit so important? CALLED RESERVES for future claims! See again most idiots don't seem to realize when an insurance company insures it means they have to pay
claims in the future! To do that you have to have reserves and that is a STATE by STATE LAW! You can't sell insurance in any state in America without reserves for CLAIMS!

So these idiots increased the average insurance companies Medical liability ratio which was about 80% to 85%! This additional forced 85% now meant insurance companies had
to A) drop out of the health insurance business. or B) raise premiums. WHICH is what happened!

Most people don’t get a rebate check, because most insurers are spending the majority of premiums on medical costs
Across all market segments, the majority of insurers are meeting or exceeding the MLR rules, which is why most people don’t receive MLR rebate checks. According to the data that was calculated in 2017 (for plan years 2014-2016), the average individual market MLR was 92.9 percent and the average small group MLR was 86.1 percent (both well above the 80 percent minimum requirement). In the large-group market, the average MLR was 90.3 percent, also well above the 85 percent minimum requirement for that market segment. For all three market segments, the average MLR reported for 2017 was the highest it had ever been.
Billions in ACA rebates show 80/20 Rule’s impact

So the idiots of Obamacare said hey you insurance companies... making too much profit. Either spend it on health care costs or pay a rebate!
Well guess what you idiots!!!!

The industry was shit before Obamacare.

It has only gotten exponentially worse with Ocare. At least that mandate will be gone in a couple of months.

But idiots are still using "pre-existing conditions" as a justification for keeping it as part of the equation!
When in fact the whole problem is as my title says blown out of proportion.
Plus there is a solution! Tax lawyers 10% of their 280 billion a year and buy a $5,000/year policy for the less than 6 million that have" pre-existing conditions"!

 

[Brain357]

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

HOW many severely sick people LOSE everything? Where are your facts? AGAIN sounds so caring, so thoughtful but yet you haven't any proof!
FACTS are if you read the below ... NONE would have to if YOU read the facts!
View attachment 221902

https://www.snopes.com/fact-check/643000-bankruptcies-in-the-u-s-every-year-due-to-medical-bills/

First of all SNOPES statement was a mixture of truth and falsehood!

The reason:. However, in that analysis NerdWallet repeatedly stated that their findings were “estimates” or “extrapolations,” and some of their data were quite old even back in 2013.


The best way to avoid medical bankruptcy is to prevent medical bills.
To do that, you must prevent or manage chronic diseases.
The most expensive are diabetes, at $26,971 per family, and neurological disorders like multiple sclerosis, which cost $34,167 on average.
The biggest expense is hospitalization, which caused half of the bankruptcies.

High medical bills from accidents can't be avoided. For those situations, a financial cushion is a must. Sock away three to six months of expenses in a savings or money market account. Only a third of Americans have more than $1,000 in savings.

As the research shows, health insurance won't completely protect you. Many people were bankrupted by high deductibles and other out-of-pocket expenses.
You should have at least the amount of your deductible in savings
Do Medical Bills Really Bankrupt America's Families?

But why don't you attack lawyers because of what they do to encourage this waste? Why do you love lawyers that you won't even mention this? Are you afraid?

View attachment 221908

Fact is lots of people go bankrupt.

 

[healthmyths]

But wait... 56% have group health insurance that covers them... that means.. 24.5 million without group insurance.
But wait...7% of Americans have private insurance so that leaves 22.7 million with out health insurance that might have "pre-existing conditions"...and can't get insurance... but WAIT...

You are an idiot, and have no idea how health insurance works.

Just because someone has insurance does not mean they aren't paying more for that insurance because of their pre-exising condition, you fucking moron.

I once worked at a company with 50 employees who had group insurance. One woman in the company had a serious medical condition which caused ALL of our insurance premiums to skyrocket.

Just about every one of your premises in your OP had giant flaws. This was one of the worst.

And YOU as an idiot are taking YOUR subjective, anecdotal situation and blowing it out of proportion!
AND YOU as an idiot are forgetting the premise of the title..."Blown out of proportion" again as idiots like you do!
You take a small problem and make it sound gigantic because it affects YOU!
There never were 46 million uninsured nor were there half of all Americans with a pre-existing condition that prevented them from being insured!
That's the premise. Not your subjective personalized situation which so f...king what that you paid more? You haven't proven my premise wrong.
Just blowing personal subjective comments which doesn't address the premise!

 

[healthmyths]

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

HOW many severely sick people LOSE everything? Where are your facts? AGAIN sounds so caring, so thoughtful but yet you haven't any proof!
FACTS are if you read the below ... NONE would have to if YOU read the facts!
View attachment 221902

https://www.snopes.com/fact-check/643000-bankruptcies-in-the-u-s-every-year-due-to-medical-bills/

First of all SNOPES statement was a mixture of truth and falsehood!

The reason:. However, in that analysis NerdWallet repeatedly stated that their findings were “estimates” or “extrapolations,” and some of their data were quite old even back in 2013.


The best way to avoid medical bankruptcy is to prevent medical bills.
To do that, you must prevent or manage chronic diseases.
The most expensive are diabetes, at $26,971 per family, and neurological disorders like multiple sclerosis, which cost $34,167 on average.
The biggest expense is hospitalization, which caused half of the bankruptcies.

High medical bills from accidents can't be avoided. For those situations, a financial cushion is a must. Sock away three to six months of expenses in a savings or money market account. Only a third of Americans have more than $1,000 in savings.

As the research shows, health insurance won't completely protect you. Many people were bankrupted by high deductibles and other out-of-pocket expenses.
You should have at least the amount of your deductible in savings
Do Medical Bills Really Bankrupt America's Families?

But why don't you attack lawyers because of what they do to encourage this waste? Why do you love lawyers that you won't even mention this? Are you afraid?

View attachment 221908

Fact is lots of people go bankrupt.

Fact is people do go bankrupt. Don't disagree.
But why are they faced with these enormous bills? Part of the reason is this and YOU evidently aren't comprehending or are afraid of criticizing lawyers!
WHY?

 

[Brain357]

Malpractice is Not Driving Up Healthcare Costs | Martin Kane Kuper

The National Practitioner’s Data Bank 2012 annual report noted that “between 2003 and 2012, the number of medical malpractice reports decreased 34 percent, declining steadily from 18,535 to 12,152.” The same data show “the inflation-adjusted total value of payments made on behalf of doctors in 2011 was the lowest on record,” and that medical malpractice payments were “just 0.12 percent of national health care costs” in 2011.