K. is 26 years old. She was no longer eligible for her parents’ insurance and learned of a 90 day waiting period for her new employer’s policy. On a tight budget, K. decided to take the risk of being uninsured. She developed ear pain and visited an urgent care center. She was asked for a $50 co-pay and was treated for an ear infection. On her way out, K. asked if she owed any more? “Nope, you’re good!” said the front desk worker. A week later, K. opened a $2,200 urgent care invoice…click to read more!