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If you are bankrupt at 50 because your wife died of cancer, it may mean you had a precarious business that relied on her contributions (to the business or to the family).

She was not working and remember my friend works as IT director for a major retailer.

I don't use my company's insurance because the gold or platinum one that I like costs $24K per year for the family and I have switched to my spouses.

The healthcare costs are out of control, what is the solution can be debated, but something needs to be done.
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