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At wral.com, the plight of the underinsured reveals that sometimes, even those people who do have medical health insurance can't afford to pay down their medical debt.

According to the article, 25% of insured Americans are underinsured, and "In a Consumer Reports survey of 3,000 people, an even larger percentage reported they could not pay for care in an unexpected serious health problem came up."

This happens when a medical health insurance plan is too limited in its coverage, and doesn't allow for either a major emergency, or charges too much for basic services like checkups and medications.

So what should people do? What kind of medical health insurance should people get? Well, it's important to get the best coverage you can afford, but it's also good to know your needs. If you're a single person, and you are relatively young and healthy, then you'll want to focus on insurance that provides basic services. However, if you have children, if you like activities that can lead to injury, or if you have health habits that could lead to sickness, be prepared for major medical issues that could arise.

And no matter what, there are options for those who want to dispute a claim or charge. The law allows people to appeal decisions companies make about the coverage and payments health plans offer.