Ruinous bills are frequently used to cover the costs of routine procedures. It’s another situation where 10% of the healthcare consumes 90% of the resources. It’s the person who needs 6 months in the hospital, the 2 month premature baby in NICU, the hemophiliac that needs $1M medication that balloon all the costs.

And no one can really afford that, but instead of spreading the costs around to all taxpayers, we were spreading it around by inflating everything else. ACA helps with this, but today’s announcement about out of network care will help more too.