You cannot avoid student loans by Bankruptcy so why allow the deadbeats to use Medical Bills either? That would eliminate 500,000 bankruptcies a year and get the HMO’s paid off and clean up the court system too. Wouldn’t our Health Care System look a lot more attractive if no one ever went bankrupt because of it? Just imagine ZERO bankruptcies a year. American Health Care Rocks. Well, I have your answer. Deadbeats? I take it that all those made unemployed due the economic crisis are deadbeats then? FACT – the USA spends more on healthcare PER PERSON than any other nation on the planet. FACT – the US has higher death rates for kids aged under five than western European countries with universal health coverage. That means that a dead American four year old would have had a better chance of life if they were born in Canada, France, Cuba, Germany, Japan etc, all of which have universal health coverage.