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Re:Why Medical Bills Are Killing Us (2013) [pdf] by WalterBright on Sunday November 13, 2016 @10:58PM (#12947459)
Here's an in-depth article explaining it:

http://www.theatlantic.com/magazine/archive/2009/09/how-amer...

tl,dr: it's because people who incur the costs are not the people who pay for it.

Re:Why Medical Bills Are Killing Us (2013) [pdf] by ScottBurson on Monday November 14, 2016 @01:50AM (#12947982)
That's a thoughtful piece, with some interesting suggestions toward the end. Your "tl;dr" is not inaccurate, but I hope people will read the whole thing.