I had a friend whose employer went bankrupt in the midst of a family member undergoing surgery. Because the employer self-insured, he got stuck with the bill when they went bankrupt. This just seems wrong to me. Maybe companies that self-insure should have to have some form of re-insurance as a backstop. Or, alternatively, healthcare providers that accept third-party payment should indemnify their patients in the event the paying party goes bankrupt.
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