For the 46 million individuals with no health insurance and the millions with inadequate or discontinuous health insurance, unpredictable costs of surgeries, hospitalizations, or rehabilitation services can erode the base of savings many have counted on for their retirement years. It is not uncommon for uninsured and underinsured people to be driven into personal bankruptcy. A recent study of 1,771 bankruptcy filers found that 50 percent cited medical causes for their financial plight