woman pushing away vaccine With the massive deductible staring them down, HDHP members tend to delay or skip care, leading to worse outcomes. (Photo: Shutterstock)

Open enrollment season has just wrapped up. Across the country, health care consumers have signed up for health plans that — if nuances aren’t understood — could bankrupt them.

Medical debt is the leading cause of bankruptcy in the US. And of the millions of people who are victims of health care oppression, 72% owe less than $10,000 and 75% of people with medical debt had health insurance. A high-deductible health plan (HDHP) can have a family deductible of up to $14,100 — creating plenty of space to get trapped under medical debt.

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