If the Affordable Care Act is to have true assistance for those with medical debt, Davenport concludes, two important regulatory aspects need to be addressed: limiting the leeway that insurers will have to determine out-of-pocket costs in their plans, and ensuring that enforcement of insurance regulations for plans in the exchanges is truly effective in preventing insurer abuses.

More on the Pollitz study may be found here: http://www.americanprogressaction.org/issues/2009/05/health_coverage.html

The committee hearings may be accessed here: http://judiciary.house.gov/hearings/hear_100715.html

Dr. Woolhandler's study may be found here: http://www.pnhp.org/new_bankruptcy_study/Bankruptcy-2009.pdf

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