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If you don't have the money on hand to pay what it would have cost out of pocket, then you're better off dying.
If you don't have the money at all, you're probably in the clear.
It depends on your insurance. You might hit a deductible and only owe a few thousand dollars, or you might be bankrupt.
some insurance can be nitkpicky enough to not cover things o.
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More likely you just would not have been kept in hospital four months here. Somehow we have the combination of highest cost and also cost-cutting schemes.
To answer your question - $18,000 I guess, if I got lucky and the insurance worked correctly. That's the alleged max out of pocket for the insurance I pay for at work.
According to https://nchstats.com/average-cost-of-hospital-stays-in-us/ the average cost for inpatient care in the United States is 3,025 dollars.
4 months of 30 days multiplied by 3,025 is equal to 363,000 dollars without insurance.
That is an entirely believable number to me.
I'm British just reading this thread and shaking my head. Can't fathom these stories.
And hope that the tories don’t get into power again and kill the NHS.
All the screwed. And now as of this month medical debt will be part of your credit reports, so good luck on getting a home loan or job
Why on earth would debt effect getting a job? My employer doesn't know my credit rating.
Mortgage and loans I understand but not the job bit.
Credit history is often included in US background checks
On the order of hundreds of thousands to over a million dollars without insurance, on order of $50k-$100k in copayments with insurance. Either way will wipe you out financially, effectively forcing you to go through medical bankruptcy and resetting any savings you have to $0. In addition, the equity in your house and car can also be seized, above some personal homestead exemption ($250k in New York for example, where the average house price is $2M, and $5k for vehicle). Not sure if they kick you out of the house immediately, or put a lien on it that comes due when you die/move out and house is sold. The only savings that are safe from bankruptcy are retirement savings in IRA and future social security payments.
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this post was submitted on 16 Jul 2025
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