While a college student in 2010, Elham Mirshafiei turned to the emergency room of a hospital that wasn’t in her insurance network for treatment of an intestinal bug and severe dehydration. She still carries the $4,000 debt from that visit.

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While a college student in 2010, Elham Mirshafiei turned to  the emergency room of a hospital that wasn’t in her insurance network for treatment of an intestinal bug and severe dehydration. She still carries the $4,000 debt from that vi