Medical debt
How people fall into debt from medical bills, and whether that debt is canceled, kept off credit reports, limited in collection, allowed to carry interest or put on medical credit cards.
What they call for
DemocratsRepublicans24 new members addressed this issue. Many call for more than one thing.
Keep people from going into debt or bankrupt over medical bills16Cancel existing medical debt7Prevent medical debt by guaranteeing health coverage6Keep medical debt off credit reports5Curb predatory collection, interest and lending on medical debt5Reform medical billing and prices to stop overcharging4Make hospitals provide financial assistance to prevent medical debt1
Keep people from going into debt or bankrupt over medical bills
16 members“Prevent medical debt by mandating hospitals auto-enroll in charity care, lowering drug and medical costs for all.”View on their website ↗
“No one should be in debt because they got sick and couldn’t afford treatment”View on their website ↗
“But it’s not enough to erase debt–we have to protect Americans from accruing it in the first place. That means guaranteeing every American healthcare through Medicare for All”View on their website ↗
“No one should have to choose between getting the care they need or going into debt in the richest, most powerful country in the world.”View on their website ↗
“Nobody should be made to declare bankruptcy after becoming ill.”View on their website ↗
“Patty backs Medicare for All to ensure healthcare as a human right, provide access to more healthcare coverage, reduce prescription drug prices, and end medical bills that have become a burden on middle-class families.”View on their website ↗
“No one should delay seeing a doctor because they’re worried about the bill. No family should go bankrupt because someone gets sick.”View on their website ↗
“I believe that healthcare is a human right, and that every American should be able to get the care they need, when they need it, without going bankrupt.”View on their website ↗
“Health care is a human right. No Mainer should avoid the doctor, ration their medicine, or face bankruptcy because they got sick.”View on their website ↗
“Troy believes health care is a right, not a privilege, and supports Medicare for All so every American can get the care they need without worrying about premiums, deductibles, or the fear of going bankrupt because they got sick.”View on their website ↗
“No one in the United States should have to face bankruptcy because of a healthcare emergency. No one in our country should have to ration life saving medication because of high costs and deductibles, or travel hundreds of miles to receive quality care.”View on their website ↗
“Healthcare isn’t just about surviving illness, it’s about having the freedom to live a full and healthy life without the fear of going bankrupt because you got sick. Medicare for All is long overdue. Not just because it’s the right thing to do, but because it’s the most effective, efficient, and economical proposal we have. We spend nearly twice as much as other wealthy countries on healthcare for worse outcomes and still leave 27 million uninsured. With Medicare for All, every American could save thousands per year while getting better, more reliable care.”View on their website ↗
“No one should have to go bankrupt because they get sick. I support universal healthcare – and a Medicare for All system that enrolls all Americans by default and preserves private insurance if desired.”View on their website ↗
“No more insurance company greed, no more denying care for profit, no more tying your healthcare to your job, and no more bankrupting families over medical bills.”View on their website ↗
Show the other 6 members
“Nobody should go bankrupt because they got cancer. I will expand Medicaid, lower costs, and make sure healthcare is based on need, not net worth.”View on their website ↗
“We have the money. It’s about priorities. Instead of tax breaks for billionaires, I will fight to invest in Medicaid, Medicare, and hospitals so families get care without crushing debt.”View on their website ↗
“It’s unacceptable that people who have health insurance coverage still fall into medical debt due to sky-high medical costs, that’s why I believe medical debt should be taken off credit reports.”View on their website ↗
“In the Senate, he’ll protect Texans’ health insurance and Medicaid, lower drug costs and medical debt, and end Texas’ maternal mortality crisis.”View on their website ↗
“Protect Americans from crippling medical debt: Cancel eligible medical debt and stop hospitals and insurance companies from overcharging patients, regulate medical debt collection practices, bar the inclusion of medical debt in credit scores, and increase transparency and public reporting of both medical billing practices and the allocation of financial assistance provided by hospitals so Texans no longer go into debt when they get sick.”View on their website ↗
“Price caps on medication and care Billionaires and corporations should not get to decide how much you go into debt when we’re sick. Their record-breaking profits come out of our wallets, and it’s time for that to end. I will fight to cap the price of medical procedures and prescription drugs across the board to an affordable rate in line with other major countries.”View on their website ↗
“Every Missourian deserves quality, affordable healthcare from providers they trust. No family should lose their home or savings to medical debt, and no one should go broke caring for a parent.”View on their website ↗
“Cap drug costs at $2,100 a year. Bring Medicare's out-of-pocket cap to private plans so that health issues don't mean bankruptcy.”View on their website ↗
“Every Missourian deserves access to affordable, quality healthcare that covers them when they get sick or need to see a specialist. No one should lose their home or life savings to medical debt.”View on their website ↗
“Health care is a basic necessity, not a privilege. No family should face financial ruin because they get sick. True affordability means addressing premiums, deductibles, prescription drug costs, and access to providers, especially in rural and underserved communities.”View on their website ↗
“We have an obligation to ensure working Americans can afford housing, pursue a quality education, and access health care without the fear of bankruptcy.”View on their website ↗
Cancel existing medical debt
7 members“He enacted a plan to incentivize hospitals to relieve more than $4 billion of existing medical debt for 2 million eligible North Carolinians and prevent new debt.”View on their website ↗
“Roy has been laser-focused on lowering health care costs for North Carolinians. In 2023, he assembled a bipartisan coalition to expand Medicaid for hundreds of thousands of working North Carolinians, lowering costs for everyone. Nearly 715,000 people are now covered because of Medicaid expansion. Medicaid expansion also provided a lifeline for rural communities, bringing an influx of critical federal funding to help keep rural hospitals and emergency rooms open. Roy also created a first-in-the-nation solution to help relieve more than $6.5 billion in medical debt for over 2.5 million North Carolinians, many of whom are in debt because insurance companies refused to pay legitimate medical bills, and to prevent this debt from accruing in the future.”View on their website ↗
“As a two-time public health official, Abdul has worked to open the system for those who have been locked out, from jumpstarting a program to eliminate $700 million in medical debt to providing tens of thousands of kids free pairs of glasses.”View on their website ↗
“Earlier this year, Abdul’s campaign partnered with Keneenaw Indivisible to help erase millions in medical debt for Northern Michigan families.”View on their website ↗
“We can eliminate America’s staggering $225 billion in medical debt for pennies on the dollar. We did it for all of Wayne County when I was health director. And if Michigan’s largest county can do it–so can the rest of the country.”View on their website ↗
“These taxes should support better pay for teachers, healthcare expansion through Medicare for All, direct cash transfers, capping childcare costs, eliminating medical debt and other domestic priorities.”View on their website ↗
“The Undue Medical Debt Relief Program was a signature accomplishment of Abdul’s in Wayne County government. To date, it has eliminated nearly $60 million in medical debt for more than 80,000 residents and is on track to erase $700 million in medical debt for more than 300,000 Wayne County residents.”View on their website ↗
“As a public health official, Abdul erased tens of millions of dollars in medical debt for tens of thousands of Michiganders and delivered free glasses to thousands of kids”View on their website ↗
“He also spearheaded a program that will cancel up to $700 million in medical debt for 300,000 Michiganders over 2 years.”View on their website ↗
“As a nation, Americans hold more than $225 billion in medical debt. I think it shouldn’t exist–and I erased it for tens of thousands of Michiganders in Wayne County.”View on their website ↗
“I want to abolish medical debt–just like we did for tens of thousands of Michiganders in Wayne County.”View on their website ↗
“Healthcare is a human right, not a privilege. Angela will co-sponsor Medicare for All, cancel medical debt, break up the healthcare monopolies driving up costs, and invest in local clinics and mental health care that serve everyone, regardless of status or income.”View on their website ↗
“I believe healthcare is a human right, not a privilege. I'll fight for Medicare for All, cancel medical debt, and take on insurers and Big Pharma so every family can afford care.”View on their website ↗
“Medical debt cancellation. Our broken system is forcing people to choose between their health and going into debt. In Congress, I will support the Medical Debt Cancellation Act to eliminate the $220B in medical debt weighing down working families through no fault of their own.”View on their website ↗
“I’ve delivered medical debt relief to hundreds of thousands of Cook County residents and will lead similar efforts nationwide.”View on their website ↗
“That’s why as Lieutenant Governor, she’s helped bring down costs and ensure workers are paid fairly for their work. Together with Governor Pritzker, Juliana helped eliminate the grocery tax, raise the minimum wage, and relieve medical debt for thousands of families – putting money back in the pockets of hardworking Illinoisans.”View on their website ↗
“Protect Americans from crippling medical debt: Cancel eligible medical debt and stop hospitals and insurance companies from overcharging patients, regulate medical debt collection practices, bar the inclusion of medical debt in credit scores, and increase transparency and public reporting of both medical billing practices and the allocation of financial assistance provided by hospitals so Texans no longer go into debt when they get sick.”View on their website ↗
Prevent medical debt by guaranteeing health coverage
6 members“But it’s not enough to erase debt–we have to protect Americans from accruing it in the first place. That means guaranteeing every American healthcare through Medicare for All”View on their website ↗
“Patty backs Medicare for All to ensure healthcare as a human right, provide access to more healthcare coverage, reduce prescription drug prices, and end medical bills that have become a burden on middle-class families.”View on their website ↗
“Troy believes health care is a right, not a privilege, and supports Medicare for All so every American can get the care they need without worrying about premiums, deductibles, or the fear of going bankrupt because they got sick.”View on their website ↗
“Healthcare isn’t just about surviving illness, it’s about having the freedom to live a full and healthy life without the fear of going bankrupt because you got sick. Medicare for All is long overdue. Not just because it’s the right thing to do, but because it’s the most effective, efficient, and economical proposal we have. We spend nearly twice as much as other wealthy countries on healthcare for worse outcomes and still leave 27 million uninsured. With Medicare for All, every American could save thousands per year while getting better, more reliable care.”View on their website ↗
“No one should have to go bankrupt because they get sick. I support universal healthcare – and a Medicare for All system that enrolls all Americans by default and preserves private insurance if desired.”View on their website ↗
“Nobody should go bankrupt because they got cancer. I will expand Medicaid, lower costs, and make sure healthcare is based on need, not net worth.”View on their website ↗
“We have the money. It’s about priorities. Instead of tax breaks for billionaires, I will fight to invest in Medicaid, Medicare, and hospitals so families get care without crushing debt.”View on their website ↗
Keep medical debt off credit reports
5 members“Reform medical billing and medical debt. In 2024, more than a third of U.S. households carried medical debt, and 43% of Kansans report a financial burden from medical bills — made worse by high interest and aggressive collection. In 45 states, including Kansas, a collector can garnish a patient’s wages and even jail them over unpaid medical bills. Adam would cap interest on medical debt, limit wage garnishment, and keep medical debt off credit reports — reforms a growing number of states have already adopted with no disruption to hospitals or care. Much of this debt is disputed or billed in error in the first place, sweeping people who never owed the money into collections.”View on their website ↗
“I’ll protect Medicaid, Medicare, CHIP, and the Affordable Care Act; support a public option to lower premiums and expand care; ban medical debt from wrecking people’s credit; invest in mental health care; and defend reproductive healthcare.”View on their website ↗
“It’s unacceptable that people who have health insurance coverage still fall into medical debt due to sky-high medical costs, that’s why I believe medical debt should be taken off credit reports.”View on their website ↗
“Protect Americans from crippling medical debt: Cancel eligible medical debt and stop hospitals and insurance companies from overcharging patients, regulate medical debt collection practices, bar the inclusion of medical debt in credit scores, and increase transparency and public reporting of both medical billing practices and the allocation of financial assistance provided by hospitals so Texans no longer go into debt when they get sick.”View on their website ↗
“Get medical debt off credit reports. Stop a doctor's bill from wrecking your credit and your shot at housing.”View on their website ↗
Curb predatory collection, interest and lending on medical debt
5 members“Reform medical billing and medical debt. In 2024, more than a third of U.S. households carried medical debt, and 43% of Kansans report a financial burden from medical bills — made worse by high interest and aggressive collection. In 45 states, including Kansas, a collector can garnish a patient’s wages and even jail them over unpaid medical bills. Adam would cap interest on medical debt, limit wage garnishment, and keep medical debt off credit reports — reforms a growing number of states have already adopted with no disruption to hospitals or care. Much of this debt is disputed or billed in error in the first place, sweeping people who never owed the money into collections.”View on their website ↗
“A bill from Senate President Troy Jackson, D-Allagash, to better protect patients from predatory medical credit card practices cleared the Maine Senate with bipartisan support this morning.”View on their website ↗
“Cut health care costs for working families by cracking down on predatory medical debt collectors, pharmaceutical monopolies, and Wall Street firms buying up hospitals for profit.”View on their website ↗
“I am also working to ban aggressive medical debt collection, help low-income moms afford diapers and formula, and stop the worst of Trump’s price hikes from taking place.”View on their website ↗
“Protect Americans from crippling medical debt: Cancel eligible medical debt and stop hospitals and insurance companies from overcharging patients, regulate medical debt collection practices, bar the inclusion of medical debt in credit scores, and increase transparency and public reporting of both medical billing practices and the allocation of financial assistance provided by hospitals so Texans no longer go into debt when they get sick.”View on their website ↗
Reform medical billing and prices to stop overcharging
4 members“Roy Cooper believes that doctors should decide your health care, not insurance companies and he’d reverse the Affordable Care Act tax credit expiration and cuts to Medicaid that leave people without the coverage they need and drive up prices for everyone. He’d also require Medicare to broaden negotiations with drug makers to make prescriptions more affordable and strengthen oversight of hospital mergers that put profits over patients. He’d crack down on pharmacy benefit managers that pocket savings instead of passing them on to patients, curb surprise billing and cap annual out-of-pocket costs for prescription drugs. He’d prevent medical debt by requiring hospitals to auto-enroll patients in charity care and increase enforcement of upfront pricing to make health care costs more transparent.”View on their website ↗
“Reform medical billing and medical debt. In 2024, more than a third of U.S. households carried medical debt, and 43% of Kansans report a financial burden from medical bills — made worse by high interest and aggressive collection. In 45 states, including Kansas, a collector can garnish a patient’s wages and even jail them over unpaid medical bills. Adam would cap interest on medical debt, limit wage garnishment, and keep medical debt off credit reports — reforms a growing number of states have already adopted with no disruption to hospitals or care. Much of this debt is disputed or billed in error in the first place, sweeping people who never owed the money into collections.”View on their website ↗
“Protect Americans from crippling medical debt: Cancel eligible medical debt and stop hospitals and insurance companies from overcharging patients, regulate medical debt collection practices, bar the inclusion of medical debt in credit scores, and increase transparency and public reporting of both medical billing practices and the allocation of financial assistance provided by hospitals so Texans no longer go into debt when they get sick.”View on their website ↗
“Price caps on medication and care Billionaires and corporations should not get to decide how much you go into debt when we’re sick. Their record-breaking profits come out of our wallets, and it’s time for that to end. I will fight to cap the price of medical procedures and prescription drugs across the board to an affordable rate in line with other major countries.”View on their website ↗
Make hospitals provide financial assistance to prevent medical debt
1 member“Prevent medical debt by mandating hospitals auto-enroll in charity care, lowering drug and medical costs for all.”View on their website ↗
“Roy Cooper believes that doctors should decide your health care, not insurance companies and he’d reverse the Affordable Care Act tax credit expiration and cuts to Medicaid that leave people without the coverage they need and drive up prices for everyone. He’d also require Medicare to broaden negotiations with drug makers to make prescriptions more affordable and strengthen oversight of hospital mergers that put profits over patients. He’d crack down on pharmacy benefit managers that pocket savings instead of passing them on to patients, curb surprise billing and cap annual out-of-pocket costs for prescription drugs. He’d prevent medical debt by requiring hospitals to auto-enroll patients in charity care and increase enforcement of upfront pricing to make health care costs more transparent.”View on their website ↗
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