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According to a Bankrate.com survey, three out of four Americans are living paycheck-to-paycheck, with little to no emergency savings. Meanwhile, a poll conducted by NPR, The Robert Wood Johnson Foundation and Harvard’s T.H. Chan School of Public Health, shows even with year-round health insurance coverage, more than a quarter of adults face major financial problems, even bankruptcy, because of the medical bills they can’t pay off each year. Further, health care reform in the U.S. has placed more of the burden of health care costs on employees, as employers adopt high deductible health plans. 


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