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Bankruptcy solution to overwhelming debt from medical bills

The human body is fragile. No matter how healthy one is and how conscientious of one is of diet and exercise, there is always still a chance that a medical emergency could unexpectedly occur. When this happens the person in Texas or any other state will almost always find himself or herself with medical bills, which could lead many people into overwhelming debt problems.

Approximately one out of every five American adults will struggle with medical bills in 2013, according to the American Medical Association (AMA) in its recently released report. The U.S. Centers for Disease Control and Prevention (CDC) also noticed this worrisome trend and recently decided to do further investigation into the issue. Their report revealed that approximately 10 million adults who will have problems paying their medical bills will have consistent health insurance coverage, but still find themselves struggling with medical debt.

A significant part of causing this issue is high deductibles of many health insurance plans. Some insurance policies have deductibles as high as $5,000 to as much as $10,000 per year, according to the CDC report. The AMA reported that 23.6 percent of payments made to physicians for treating patients came directly from the patients themselves, rather than from insurance companies. Many experts are expecting health insurance deductibles to continue rising in the near future.

Although facing overwhelming debt from medical bills can be a daunting task in Texas or in any other state, people should realize they do have options. Some people may decide to discharge their debts, which means their debts are forgiven and they know longer have to repair the amounts owed. They do this by filing a personal bankruptcy, which may have the ability to discharge medical debts in many situations.

Source:, "One in five US adults will have trouble paying medical bills," July 11, 2013


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