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10 Yale J. Health Pol'y L. & Ethics 239 (2010)
Managing Medical Bills on the Brink of Bankruptcy

handle is hein.journals/yjhple10 and id is 243 raw text is: ARTICLES Managing Medical Bills on the Brink of Bankruptcy Melissa B. Jacoby & Mirya Holman* I. INTRODUCTION ............................................................................................. 240 II. BACKGROUND AND METHODOLOGY ......................................................... 244 A. MANAGING OUT-OF-POCKET LIABILITY ................................................... 244 1. IN G EN ERA L ....................................................................................... 244 2. MEASURING MEDICAL BURDENS OF BANKRUPTCY FILERS .............. 257 B. DATA FOR THE CURRENT STUDY ............................................................... 262 III. ANALYSIS AND FINDINGS .......................................................................... 265 IV. DISCUSSION ................................................................................................ 286 V . CONCLUSION ................................................................................................ 288 * Jacoby is the George R. Ward Professor of Law at the University of North Carolina at Chapel Hill School of Law and Visiting Professor of Law at Brooklyn Law School (2009-2010). Holman is an Assistant Professor of Political Science at Florida Atlantic University. For helpful comments on prior drafts, thanks to Scott Baker, Frederic Bloom, Al Brophy, Elizabeth Gibson, Mark Hall, Jim Hawkins, Jill Horwitz, Edward Janger, Timothy Jost, Joan Krause, Kimberly Krawiec, Robert Lawless, Bill Marshall, Christopher Robertson, Mark Rukavina, Richard Saver, Sidney Watson, and those who offered feedback at workshops, panel discussions, and colloquia at American University Washington College of Law, Brooklyn Law School, Duke University Law School, Georgia State College of Law, UNC School of Law, and the Petrie-Flom Center at Harvard Law School. Thanks to UNC for financial support of this project, to Tram Rattanavong, John Fitzpatrick, Louis Massard, Jabeen Ahmad, and Rachel Lerner for research assistance, and to Nick Sexton, Julie Kimbrough, and Dean Smith for library assistance. This paper analyzes data from the 2007 Consumer Bankruptcy Project (2007 CBP). The principal investigators of the 2007 CBP are David Himmelstein, Melissa Jacoby, Robert Lawless, Angela Littwin, Katherine Porter, John Pottow, Teresa Sullivan, Deborah Thorne, Elizabeth Warren, and Steffie Woolhandler. The 2007 CBP received external funding from the Robert Wood Johnson Foundation, the AARP, and the Federal Deposit Insurance Corporation (FDIC). None of the funders or other principal investigators is responsible for the analysis reported here.

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