Hospital Charity Care
Under the ACA, nonprofit hospitals must have financial assistance policies. If income is below 200-400% of poverty level, you may qualify for free or discounted care retroactively.
Medical Debt Negotiation
Uninsured patients can negotiate to pay the insurance-contracted rate (40-60% less). Start at 25% and negotiate up. Get agreement in writing.
State Protections
Colorado caps interest at 3%. New York restricts collections. California limits ER charges for uninsured. Oregon restricts hospital lawsuits.
Credit Report Changes
Since 2023: paid medical collections removed, under $500 excluded, and new debt does not appear for one year.
Frequently Asked Questions
Is it worth filing just for medical debt?
If large relative to income and alternatives exhausted, yes. A free bankruptcy consultation can help evaluate.
Can medical debt be forgiven without bankruptcy?
Yes: charity care, negotiation, SOL expiration, settlement, state programs, and the No Surprises Act.
What about medical credit cards (CareCredit)?
These are credit card debt, fully dischargeable in bankruptcy. They do not qualify for hospital charity care and carry high interest.
Check your bankruptcy discharge eligibility with our free screening tool.
Free Discharge Screener