Health care is expensive. It can drain a family's assets. Hard earned savings and investments can be wiped out because of staggering medical costs. You thought your health insurance would pay for the needed health care. But insurance loopholes, coverage denials, and policy caps made it impossible to meet your financial expenses and pay medical bills. Bankruptcy may give you the results you need. There is no better reason to consider the protection of bankruptcy than delinquent medical bills that you cannot afford to pay.