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Theres a silver lining to this shit cloud.

How to Pay Hospital Bills When You’re Flat Broke

It’s a fucking travesty that the leading cause of bankruptcy in these United States is medical bills. Not credit card bills nor risky investments. Not even student loans, but hospital bills. Invoices racked up through freak accidents and diseases the patient certainly didn’t ask for and would probably prefer to live without.

To our readers in other, more civilized countries, you’re dismissed. This week we’re going to be dissecting a uniquely American problem: exorbitant medical bills and how to pay them.

The CEO of GoFundMe, an online crowd-funding platform, never dreamed that his company would become synonymous with “I’m broke and need $300,000 to pay for my child’s cancer treatment.” What he envisioned as a way for entrepreneurs and artists to raise money for their passion projects has become the last desperate hope of sick and injured Americans on the verge of total financial ruin.

It blows, dear readers. It fucking blows.

Which is why we need to get creative with some of the lesser-known and best ways to pay for medical bills. Sure, it might be cheaper in the long run to move to Canada, Sweden, or Namibia. But if you bleed American blood on American soil, here’s what you do.

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Income inequality is a real thing. Let's start there.

How to Start at Rock Bottom

Income inequality is a real thing. Let’s start there. We are not all starting on a level playing field. In fact, some are actually starting at rock bottom.

Whatever way you define rock bottom, it’s a shitty place to start when envisioning your financial future. And it’s a frightening reality for many Americans. Giving advice about how my fellow college-educated Millennials can get ahead in their careers, defeat their student loans, and buy homes is all well and good, but it’s utterly useless advice for someone with no education, no family support, and no job prospects to speak of. It’s useless to those drowning in medical debt or responsible for supporting a family on a minimum wage salary. You can’t think about Step 1 when you’re currently at Step -37. Those living at rock bottom need to achieve a basic standard of survival before they can think about “getting ahead.”

One way to start at rock bottom—to survive—is by using a number of government social welfare programs. The purpose of these programs is to help those starting at rock bottom, or who find themselves at rock bottom due to drastic circumstances, to get back on their feet and working toward financial stability.

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