this post was submitted on 01 Jul 2024
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I wasn't able to afford medical insurance at the time and fell behind on arranged payments on 2 ER (emergency room) visits. In America medical debt effects your credit score negatively.
Sounds like you're condescending asshole that doesn't know what they are talking about
You don't understand! I put myself in situation where I can't afford my house, and now I can't I afford my house. It's not MY fault.
This is ignorance and/or maliciousness.
You're implicitly generating a fantasy to say this person pays too much for their home when that information is only compared to hospital bills. Idk about you, but I don't have hospital bills every year or even every decade like a monthly mortgage. To "put myself in a situation where I can't afford my house" may mean just getting cancer or getting diabetes or dealing with another disease or ailment that I wasn't before.
So either you don't know how hospital bills can be financially debilitating. Or you do and you're blaming them for addressing their health, as if they should just die.
Which is it?
Maybe I don't understand, I've always had insurance. I thought Americans were required to have insurance.
But also, they said they didn't have insurance because they couldn't afford it. So I think I'll let my claim that they can't actually afford their house stand.
Americans are not required to have health insurance. Generally, health insurance is tied to one's job. Perhaps OP is a business owner and has decided to forego insurance for other things? Idk. And neither do you.
Also, it's not like American health insurance is effective in reducing hospital bills to the point of being reasonable. It's a trope that health insurance is a scam because it's so bad.
Also, like all economic decisions, health insurance vs a home is a trade off, one that OP made for whatever reason. It's not something to blame them for.
And finally, it sounds like they can afford their home just fine with outfit tradeoffs.