Speaking of dis-incentives to seeking medical care, last week, I was reading this article about the increasing frequency of ER billing surprises as more and more ER's utilize out-of-network or outside consultants even though the hospital/ER is in your coverage network.

Even with good insurance, I could see how an ER visit for a possible Ebola exposure could easily bankrupt a lot of families. Once the word "Ebola" is mentioned and everyone starts putting on their protective gear and infectious disease consultants are called in and they put you in a separate exam room, you could already be in the poorhouse at that point, even if they determine that you're not at risk and send you home without admitting you.