I have a friend currently in the hospital for an extended stay. Sitting by his bed overnight I talked with his wife about insurance in America. They've been through this before without insurance, this time with. Her insight -- without insurance he'd have been home days ago. The hospital, in her experience, will do the minimum treatment they can get away with because they expect most people to file bancruptcy and they won't get paid, but treatment still costs them. If you file bancruptcy with insurance they still get most of the money due them from the insurance company.
I guess the quality of treatment is the difference insurance makes in a major illness / accident. Sad, but substantial.
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