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The press release for the original study this article is based on claims they've accounted for this:

"NerdWallet Health chose to include only bankruptcy explicitly tied to medical bills, excluding indirect reasons like lost work opportunities." [0]

https://www.nerdwallet.com/blog/health/managing-medical-bill...



I guess I should knuckle down and look at the survey methodology to see for sure. But given my time constraints, I'll just note that while I acknowledge the ambiguity, I read that statement as closer to "we don't count people that missed out on a better job or promotion" (emphasizing the word "opportunity", I guess), rather than saying "we discounted all foregone income".




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