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Macleans.ca | Top Stories | World | Is America going broke? And some actuaries think even that number understates the size of the problem. He says the solution to the debt problem can only emerge when both Health Care Costs Overwhelm Many Who Have Insurance -- Moran 40 (6 Volume 40 Number 6 © 2005 American Psychiatric Association Of those under age 65, 41 percent had bill or debt problems; of respondents over age 65,