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A report from the Georgetown University Center for Health Insurance Reform shows that unpaid medical bills are among the largest contributors to personal debt in the United States. The report also shows that about half of all Americans are in medical debt and about 20% of Americans have medical debt in collections. Not only is medical debt the leading cause of consumer bankruptcy, but new data also shows such debt disproportionately affects people of color and people with lower incomes, underscoring the need for more comprehensive consumer protections, the report added.