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Doctor with piggy bank No reliable data exist on how many people are replacing insurance with alternative arrangements, but the trend appears to be gaining momentum.(Photo: Shutterstock)

When their son Sky was born four years ago, Lindsie and Chris Bergevin were hit with a big surprise: $7,000 in bills for the birth that their health plan didn’t cover. Sky was two when the couple jettisoned their medical insurance, which helped them eventually pay off the debt.

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