Most medical stuff (medication, hospital services, etc.). Insurance, for those who have it, mitigates the cost... but have you ever seen the "total" cost of some of that stuff? I had an emergency appendectomy over a decade ago and the surgery plus one-night stay in the hospital for monitoring was $54,000! I only had to pay the copay under my insurance, but imagine needing a life-saving minor surgery and not having insurance... I'd still be trying to pay it off fifteen years later!
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