One of the most dysfunctional aspects of America’s dysfunctional health care system is medical debt. Even insured patients today can find themselves saddled with crushing debt from hospital stays. It’s a problem that will only be solved when America finally joins the rest of the advanced world in creating a true universal health care system. In the meantime, the Biden administration has announced a plan that could somewhat ease the problem. Most importantly, the administration is eliminating medical debt from consideration when determining creditworthiness for federally guaranteed mortgages. T…