[This article comes from the comment area of "Young Americans can’t afford to eat rice, let alone buy a house, and this is how 20,000 homeless people are added every year", titled Xiaobian Add]

　　You said that "medical insurance has an out-of-pocket max. If you pay a certain amount, you don’t need to pay it yourself. The insurance company pays it all." So, according to you, Americans who buy medical insurance will not go bankrupt because of the high medical expenses, because "you don’t need to pay for it yourself when you pay for it to a certain extent, and the insurance company will pay for it in full." But we know that there are at least hundreds of thousands of families in the United States who go bankrupt every year because of high medical expenses. The book "America as a Poor Country" (hereinafter referred to as "America") written by Japanese scholar Di unsuccessful and published by Beijing Science and Technology Publishing House in 2010 wrote: "Statistics in 2005 show that among all the 2.08 million bankruptcy cases, only 40,000 enterprises went bankrupt, and the remaining 2.04 million were personal bankruptcies. More than half of them are due to the high burden of medical expenses. (US. Census bureau2006 ）

　　Hausen, a skilled worker in an ordinary power company, also declared bankruptcy in 2005. The reason is medical expenses. At the beginning of 2005, I was hospitalized for acute appendicitis. I stayed in the hospital for only one day, and the bill was $12,000. The company’s insurance can’t cover all the expenses at all, so I have to swipe my credit card. But at that time, we caught up with our wife’s delivery, and our debts increased in an instant. "

　　….. According to the survey conducted by Harvard University in 2005, most people who are unable to pay medical expenses due to illness and lead to bankruptcy are middle-class people who have joined medical insurance. Take Hausen as an example. Before bankruptcy, the annual insurance premium for him, his wife and two children was $9,086 "(pages 43 and 44 of America). Whether Hausen went bankrupt in 2005 with an annual family insurance fee of $9,086, or "the survey conducted by Harvard University in 2005 showed that most people who were unable to pay medical expenses due to illness and went bankrupt were middle-class people who joined medical insurance", they were not saved from bankruptcy because you said that medical insurance paid a certain amount. When you say "you don’t have to pay for medical insurance to a certain extent", why can’t you save these American citizens who are bankrupt because of expensive medical expenses? Please explain.