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It's that "actually hospitalized" that's the killer. Whether from accident or illness, or heart attack/stroke, or whatever, a $50k or $100k bill is common. You'll get the care but it's that bill you're betting against, so it depends on what you'll lose. If you can say, "they can't get blood out of a stone", you're good to go.
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The descent of man ~ Nixon, Friedman, Reagan, Trump.
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