re: So I will no longer have health insurance next year.....

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If breaking your arm is a catalyst for bankruptcy, you're going bankrupt anyway.

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Possibly. But what if it requires an ambulance ride? Surgery? Continued visits? If you're not insured that could cost 15 grand I bet. And someone at 22 or 23 with student loans, a car payment, and recently unemployed... I mean it's not the best scenario.