Medical debt refers to debt incurred by individuals due to health care costs and related expenses. Medical debt is different from other forms of debt, because it is usually incurred accidentally or faultlessly. People do not plan to fall ill or hurt themselves, and health care remedies are often unavoidable; medical debt is often treated with more sympathy than other kinds of debt resulting in advice that people ought not try to convert it to credit card debt. United States Medical debt is an especially notable phenomenon in the United States. According to the poll from the Pew Research center, American citizens are much more worried about health care issues as a top public matter and concern, especially medical expenses, rather than the economy and terrorism. In less developed nations those on low income in need of treatment will often avail themselves of whatever help they can from either the state or NGOs without going into debt, and in most developed countries public coverage of healthcare costs are comprehensive. But in the US, even when the patient has insurance coverage, including coverage under the Patient Protection and Affordable Care Act of 2010, considerable medical costs remain the patient's responsibility. Consequently, medical debt has been found by a 2009 study to be the primary cause of personal bankruptcy. One of the surveys that has been conducted by the Kaiser Family Foundation showed that the amount of debt incurred by individuals for health care costs is likely to cause personal bankruptcy. The study, which involved adults with employer-sponsored insurance, found that while 20% of those surveyed have been approached by agencies, almost 9% of people declared their bankruptcy due to the health expenses. A 2007 survey found about 70 million Americans either have difficulty paying for medical treatment or have medical debt. According to research done in 2019, especially adults who are between 18–64 years and those lacking health insurance coverage are familiar with medical financial hardship in the US. Studies have found people are most likely to accumulate large medical debts when they do not have health insurance to cover the costs of necessary medications, treatments, or procedures—in 2009 about 50 million Americans had no health coverage. However, about 60% of those found to have medical debt were insured. Health insurance plans rarely cover all health-related expenses; for insured people, the gap between insurance coverage and the affordability of health care