My employer only offers one medical plan. I cannot get a plan on my own through my state's connector because employer based insurance is available to me.
So while it may be naive of me to think anyone would care about my financial hardship (though courts do in some cases - they even have something called a financial hardship form), it's also naive of you to say that I "agreed" to my deductible. I am mandated by my state to carry medical insurance and yet I have no choice as to what policy or deductible I have.





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