household in 90 in the Netherlands risked facing prohibitive medical expenses. According to another report by the Los Angeles Times, countries such as the United Kingdom and Canada that have state-funded health provision, and Germany and the Netherlands where private insurers have tight limits on the amount of patients may be charged, few people struggle to afford medical expenses. Research based on available data from 2018 indicated that the amount of unaffordable health care by individuals in the USA (7.4%) was considerably higher than European states such as France where only 1.9% of people faced concerns regarding medical bills, Germany (2.4%), the UK (1.4%), the Netherlands (1.1%), and non-European countries such as Australia (3.2%) and Japan (2.6%). The study found that although health care expenses are cheaper in other countries in comparison with the US, such countries faced difficulties such as overcrowding in UK hospitals and long waiting lists in Canada. Medical debt in bankruptcy Medical debt is considered as a non-priority unsecured debt in Chapter 7 bankruptcy. In other words, medical debts are paid only after assets are applied to the debt of creditors who hold priority debt, and thus medical debts are often discharged in their entirety at the conclusion of the bankruptcy process. If the bankrupt estate has sufficient assets such that a part of the medical debt is repaid through bankruptcy, any remaining outstanding medical debt that is included in the bankruptcy case will be discharged. Settlement of medical debt Public programs In order to tackle the issue, an advocacy organization, Physicians for a National Health Program thinks of a special program which would enhance insurance coverage for Americans. Under that single-payer health care system, Medicare for All is advocated for the resemblance of the health care services with that work in Canada, where all individuals are free to consult a doctor generally without paying a bill at all. The survey has demonstrated that 56% of citizens supported that national plan in 2019. Financial assistance by organizations The PAN Foundation is considered to be "an independent, national 501 (c)(3) organization dedicated to helping federally and commercially insured people living with life-threatening, chronic and rare diseases with the out-of-pocket costs for their prescribed medications" and the non-profit organization has provided approximately 1 million patients those are underinsured with a financial aid equaling to $3 billion since 2004. Apart from that, the national organization "providing free, professional support