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> Obamacare dramatically increased deductibles, in the name of providing "coverage" to everyone. What ends up happening is people don't pay the deductive.

I don't understand this. Are you saying everyone just lets the bills for the deductible go to debt collections?

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I've heard it often remarked in my circles (wryly and bitterly) that "bankruptcy and gofundme are the American health care plans of choice". So yes, it would seem that for a lot of stuff the plan is just to let it go to collections and then default for as long as you can get away with it.

(n.b. I have some relatively significant physical health issues, so if I can't afford medical tourism and/or get on an absurdly good plan before I'm 26, I may end up being forced into a strategy like this)

> just lets the bills for the deductible go to debt collections?

Yes. Nothing happens as a result. They mail letters, and try to call, and that's about it. It doesn't even hurt credit scores, since they exclude medical debt.

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