...) commonly accumulate extremely large medical bills which they are unable to repay, regardless of insurance coverage and/or household income (Ramsey et al., 2013). Individuals who experience the onset of a major chronic disease/injury (such as type-II diabetes, chronic kidney failure, HIV...

... for misclassification. Many individuals are “ostensibly” medically bankrupt. They are already seriously indebted, and any outside financial shock, including but not limited to medical bills, can push these debtors into insolvency. Originality/value Bankruptcy is an important social safety net. An improved...