[removed]

E Warren study and every serious analysis on this subject says the same thing.

People who file bankruptcy have medical debt not that its the cause of the bky, E Warren study found that about 75% of the people who file have medical debt that is more then $1000 but it was not the reason why they filed. The typical formula was this, a person has financial problems, they then have a medical emergency, this emergency keeps them out of work, the lack of income exasperates their already bad financial situation and forces them into bankruptcy and they have some medical debt along with credit cards, auto loans, home mortgages etc.. This is why even having the ACA in place didn't change the bky numbers. If you want to fix a problem it helps to clearly understand what the problem is, even if 100% of all medical bills were covered by some system people who have a medical emergency will still end up filing bky.