What can cause financial strain in an uninsured individual when facing a major medical issue?

When an individual is uninsured and encounters a major medical issue, they can face substantial financial strain primarily due to high out-of-pocket costs resulting from the lack of insurance. Without coverage, individuals are responsible for the full cost of medical services, which can include hospital stays, surgeries, medications, and various treatments. These expenses can quickly accumulate to staggering amounts, leading to significant financial distress, potential medical debt, or even bankruptcy.

The other options, while relevant to healthcare in general, do not directly contribute to financial strain in the context of being uninsured. Regular check-ups and free preventive services are beneficial for maintaining health but do not alleviate the financial burden once a serious medical event occurs. Low-cost insurance plans may offer some financial protection but would still require the availability of at least basic coverage, which is not applicable to an uninsured individual.