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In reply to the discussion: The ACA deductibles cap the providers' losses [View all]Padding everyone's bill by the average deductible means they are going not going to go chasing around the deductible losses with any great vigor either.
American tourists are sometimes surprised not to be billed at all if they incur treatment in some countries, because billing them just isn't worth it.
Even as it stands now, I've seen plenty of situations where people with medical bills have had the provider simply take the insurance company payment and write off the rest.
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