@Cary do not EVER underestimate the risk of chart "branding" and no, you can't control that risk in today's world.

Right now its not as much of a concern as it was before Obamacare, but that will change and when it does all the people who ignored said risk and had it happen are absolutely fucked. If it occurs without a collapse in medical cost at the same time you're going to be bankrupted, die or probably both.

I do not KNOW of anything that would do it in my case but there has to be a material BENEFIT to take that risk. If you KNOW you're screwed it doesn't matter, of course -- and a lot of people ARE screwed so if you're one of them then there's nothing to be lost.

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