Regardless of insurance coverage, hospital bills take a serious toll, according to the National Bureau of Economic Research. (Photo: Getty Images)

Having insurance is one thing. Being able to pay for a hospital bill is a whole other thing.

Three years after the implementation of the Patient Protection and Affordable Care Act (PPACA), the uninsured rate has dropped to just above 10 percent, but a far greater proportion of Americans still find basic health care unaffordable.

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