The debate over the future of health care is obscuring a more pedestrian reality: Insurance may handle most costs, but many Americans still need to turn to charity for help when they get sick.

Just because a person is insured doesn’t mean he or she can actually afford their doctor, hospital, pharmaceutical or other medical bills.

The point of insurance is to protect patients’ finances from the costs of everything from hospitalization to prescription drugs, but out of pocket spending for people even with employer-provided health insurance has increased by more than 50 per cent since 2010.

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