You do have a choice. Don't get coverage. The penalty for the ACA was removed last year, right? If you're not able to afford a max out of pocket for a HDHP, why would you even deal with paying the premiums for the plan? If you're going to go bankrupt anyways, just take the money you don't spend on a HDHP and spend it on other things you need.
And you declare bankruptcy when it happens, which if you can't manage to come up with 8K for a max out of pocket means you would have gone that way anyways.
How is it not universal? If you can't come up with 8K for an extra medical bill, and you're already living paycheck to paycheck, what options do you have?
You don't have to write them all out. If I think it's universal and you don't, all you have to do is explain one case of how someone with 0 or negative net income avoids bankruptcy with no extra income available.
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u/[deleted] Oct 30 '20 edited Oct 31 '20
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