| essokevmhl's Forum Info |
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It's most likely a myth that medical expenses are the leading cause of bankruptcy (some research study pegs it at only around 4%), but everybody concurs that if you're stretched too thin financially, and after that you have a whopping medical cost on top of that, it isn't great. Incidentally, when the Affordable Care Act was originally passed, you needed to pay a charge tax for going without health coverage unless you fulfilled particular exemption criteria, including financial challenge.
(If you were uninsured in 2018, you will be penalized on your 2021 tax return for that.)So, sure, you could argue: "Hey, no cost. I don't need to get medical insurance." You could argue that, but please don't. The Affordable Care Act has actually been mired in controversy for several years, partially due to the needed fee, but whatever one's feelings about the ACA, we can probably all agree that it's a great concept to have medical insurance. https://storeboard.com/blogs/general/indicators-on-what-is-the-difference-between-term-and-whole-life-insurance-you-should-know/4599763 |
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