Diagnosis: Debt Inside America's most urgent health care crisis
map of medical debt
Special Series

Diagnosis: Debt

Inside America's most urgent health care crisis

Delores Lowery was diagnosed with diabetes in 2016. Her home in Marlboro County, S.C., is at the heart of what the Centers for Disease Control and Prevention calls the Diabetes Belt. Nick McMillan/NPR hide caption

toggle caption
Nick McMillan/NPR

Many people living in the 'Diabetes Belt' are plagued with medical debt

  • Download
  • <iframe src="https://www.npr.org/player/embed/1173439205/1175915063" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript

Doctors' offices often offer special medical credit cards as a solution to paying off large medical bills. But patients may end up paying far more for their bills when they have to pay interest down the road. Fly View Productions/Getty Images hide caption

toggle caption
Fly View Productions/Getty Images

Marcus and Allyson Ward were paying off a debt dating back to the birth of their twins, Theo and Milo. They are among 100 million Americans with medical debt, according to a KHN/NPR investigation. Taylor Glascock for KHN and NPR hide caption

toggle caption
Taylor Glascock for KHN and NPR

Jeff and Kareen King received a hospital bill for $160,000 a few weeks after Jeff had a procedure to restore his heart rhythm. Bram Sable-Smith/KHN hide caption

toggle caption
Bram Sable-Smith/KHN

An investigation of more than 500 U.S. hospitals show that many use aggressive practices to collect on unpaid medical bills. More than two-thirds have policies that allow them to sue patients or take other legal actions against them, such as garnishing wages.This includes high-profile medical centers such as the Mayo Clinic. Kerem Yucel/AFP via Getty Images hide caption

toggle caption
Kerem Yucel/AFP via Getty Images

Dr. Eckart Rolshoven examines a patient at his clinic in Püttlingen, a small town in Germany's Saarland region. Although Germany has a largely private health care system, patients pay nothing out-of-pocket when they come to see him. Pasquale D'Angiolillo for KHN hide caption

toggle caption
Pasquale D'Angiolillo for KHN

Lessons from Germany to help solve the U.S. medical debt crisis

  • Download
  • <iframe src="https://www.npr.org/player/embed/1142601526/1143656868" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript

Many hospitals are now partnering with financing companies to offer payment plans when patients and their families can't afford their bills. The catch: the plans can come with interest that significantly increases a patient's debt. sesame/Getty Images hide caption

toggle caption
sesame/Getty Images

Diagnosed with cancer five years ago, Monica Reed of Knoxville, Tennessee, was left with nearly $10,000 in medical bills she couldn't pay. Medical debt is more prevalent among the Black community in Knoxville, than among whites. Jamar Coach for KHN and NPR hide caption

toggle caption
Jamar Coach for KHN and NPR

Why Black Americans are more likely to be saddled with medical debt

  • Download
  • <iframe src="https://www.npr.org/player/embed/1131984451/1132042080" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript
Jesse Zhang for NPR and KHN

Paying for mental health care leaves families in debt and isolated

  • Download
  • <iframe src="https://www.npr.org/player/embed/1125446666/1129791951" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">

Penelope Wingard of Charlotte, N.C., has survived breast cancer, a brain aneurysm and surgery on both eyes. For the past eight years, she's also been battling tens of thousands of dollars in medical debt. Aneri Pattani/ KHN hide caption

toggle caption
Aneri Pattani/ KHN

Medical debt ruined her credit. 'It's like you're being punished for being sick'

  • Download
  • <iframe src="https://www.npr.org/player/embed/1126787264/1126790937" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">

Aerial view of downtown Fort Worth, Texas. Some hospitals in Texas and around the U.S. are seeing high profits, even as their bills force patients into debt. Of the nation's 20 most populous counties, none has a higher concentration of medical debt than Tarrant County, home to Fort Worth. Jupiterimages/Getty Images hide caption

toggle caption
Jupiterimages/Getty Images

After years of carrying medical debt from the premature birth of her daughter, Terri Logan recently discovered a nonprofit called RIP Medical Debt had paid off her bills. Juan Diego Reyes for KHN and NPR hide caption

toggle caption
Juan Diego Reyes for KHN and NPR

This group's wiped out $6.7 billion in medical debt, and it's just getting started

  • Download
  • <iframe src="https://www.npr.org/player/embed/1093769295/1117484496" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript

Lucille Brooks, a retiree who lives in Pittsford, New York, was sued in 2020 for nearly $8,000 by a nursing home that had taken care of her brother. The nursing home dropped the case after she showed she had no control over his money or authority to make decisions for him. Heather Ainsworth for KHN hide caption

toggle caption
Heather Ainsworth for KHN

Nursing homes are suing friends and family to collect on patients' bills

  • Download
  • <iframe src="https://www.npr.org/player/embed/1113134049/1114335494" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript

Jeni Rae Peters and daughter embrace at their home in Rapid City, S.D. In 2020, Peters was diagnosed with stage 2 breast cancer. After treatment, Peters estimates that her medical bills exceeded $30,000. Dawnee LeBeau for NPR hide caption

toggle caption
Dawnee LeBeau for NPR

She was already battling cancer. Then she had to fight the bill collectors

  • Download
  • <iframe src="https://www.npr.org/player/embed/1110370391/1110667163" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript
Oona Tempest/KHN

How to get rid of medical debt — or avoid it in the first place

  • <iframe src="https://www.npr.org/player/embed/1095294993/1109323144" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">

Some lost their homes. Some emptied their retirement accounts. Some struggled to feed and clothe their families. Medical debt now touches more than 100 million people in America, as the U.S. health care system pushes patients into debt on a mass scale. Jamar Coach; Eamon Queeney; Laura Buckman for KHN and NPR hide caption

toggle caption
Jamar Coach; Eamon Queeney; Laura Buckman for KHN and NPR