Про "зашибись медицину"

kilativ — 07.11.2025

Understanding the Prevalence of Medical Bankruptcy

According to recent studies, medical debt is a contributing factor in a substantial number of personal bankruptcy cases in the United States.

In fact, research suggests that medical bills are responsible for as many as 66% of all personal bankruptcy filings, with the majority of these cases involving individuals who had some form of health insurance coverage.

The reasons behind the high prevalence of medical bankruptcy are multifaceted. Factors such as high deductibles, copays, and out-of-network costs can quickly deplete an individual’s savings, even for those with insurance.

Additionally, the loss of income due to an extended illness or disability can further exacerbate the financial strain, making it increasingly difficult to keep up with medical bills and other household expenses.

The Impact of Medical Bankruptcy

The consequences of medical bankruptcy extend far beyond the immediate financial implications.

The emotional and psychological toll can be profound, as individuals and families grapple with the stress, anxiety, and uncertainty that often accompany overwhelming medical debt.

Some of the key impacts of medical bankruptcy include:

1. Loss of Assets: In many cases, individuals are forced to liquidate valuable assets, such as their homes, retirement savings, or other investments, to pay for medical expenses. This can significantly undermine their long-term financial security and ability to recover from the bankruptcy.
   
2. Difficulty Accessing Future Credit: A bankruptcy filing can have a severe and long-lasting impact on an individual’s credit score, making it challenging to secure loans, credit cards, or even rental housing in the future.
   
3. Emotional Distress: The combination of health issues and financial strain can take a significant toll on an individual’s mental health, leading to increased levels of stress, depression, and even relationship strain within the family.
   
4. Barriers to Healthcare Access: The very medical debt that led to the bankruptcy can subsequently make it more difficult for individuals to access ongoing healthcare services, as providers may be hesitant to treat patients with a history of unpaid bills.
   

Отсюда
В США основная причина банкроств - медицинские счета, причем у болшинства банкротов была страховка! Просто страховка страховке рознь и большинство американских страховок - откровенная лажа. Небольшие работодатели предоставляют очень хреновые планы, а те, кто покупает сами, обычно покупают не самые хорошие, поскольку платить по штуке баксов в месяц за страховку не всякий потянет. И медицинское банкротство - это не цацки-пецки. Вот тут пишут, что чаще всего люди теряют жилье, пенсионные накопления, инвестиции. Потом будет сложно получить займ и даже снять жилье (из которого сперва выселят клогда заберут дом).Ну и потом никто лечить не будет - так и загнёшься.

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