Today, the Kaiser Family Foundation—in collaboration with Kevin Lucia  and Katie Keith of CHIR—released a new report exploring factors leading to medical debt among people with insurance.  The report identifies common causes and consequences of medical debt, and discusses the triggers of medical debt that will and won’t be affected by the Affordable Care Act. It finds that health plan cost-sharing is a primary contributor of medical debt and even relatively modest cost-sharing can prove unaffordable because expenses are often unexpected and most Americans have little on hand to cover such costs.