cut-out of family with heart and stethoscope Credit/AdobeStock

Within America's health care system lurks a growing threat: Medical debt. Nearly 42% of Americans have medical debt, according to a 2022 KFF Health Care Debt Survey, with the average household owing more than $13,000, the U.S. Census Bureau reported. Millions of Americans struggle under its crushing weight, often facing impossible choices between essential treatment and financial stability.

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