re: Medical Debt Should Not Ever Be Used to Harm Credit Worthiness

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That was the point. A lot of the costs built into this is because of defensive medicine. When a provider is paying $50K a year for liability insurance they tend to either attempt to recoup their costs OR move to an area with more favorable tort laws.

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And we'll never get tort reform in our current "something bad happened, I deserve money" culture.

Obamacare was just a baby step; they want an NHS. Nothing makes a resource more scarce than making it "free", and that's a damned solid economic truth, but people think health care is somehow exempt.