One of the main reasons that people file for bankruptcy is simply that they cannot afford their medical bills. After all, an emergency situation could leave someone with hundreds of thousands of dollars in medical debt. There is no way they are going to be able to pay it back on their own, so they file for bankruptcy to clear that debt.
But can you avoid this potential situation simply by having health insurance? If you have insurance coverage, does that mean that your insurance provider will cover the costs and you will not have medical debt to begin with? This sounds good in theory, but that is not how it always works out.
Was the care even covered?
What sometimes happens is that people who have medical insurance find out that the care they received was not actually covered under their policy.
For instance, say that you have an emergency medical situation while you are on vacation in another state. You are quickly rushed to the hospital, where you get the treatment that you need. But you later find out that that medical provider was considered out of network by your insurance carrier. They do not have an agreement in place with the hospital system, so they are not going to cover the costs. Even though you had health insurance, you are still on the hook for those medical bills.
Life can be unpredictable, and things like medical care get very expensive, very quickly. Take the time to carefully look into all of your legal options, which may include filing for bankruptcy.