After her pregnancy, Danielle Laskey discovered the hospital was out of network for her health plan, and her insurer said surprise-billing laws protecting patients from big out-of-network bills for emergency care did not apply Ryan Henriksen/KHN hide caption
Paul Davis is a retired physician in Findlay, Ohio, who gets weekly treatments of the drug Kimmtrak to help stave off the progression of his rare cancer — uveal melanoma. He worries the accumulating cost of the drug — nearly $50,000/week if he has to pay it out of pocket — could saddle his family with crushing medical debt after he's gone. Maddie McGarvey for KHN hide caption
Brenna Kearney plays with her daughter, Joey, at home in Chicago. When Kearney was pregnant, she developed a rare type of preeclampsia and had to undergo an emergency cesarean section. Joey was discharged after a 36-day stay in the NICU. Taylor Glascock for KHN hide caption
In 2013, Grace E. Elliott spent a night in a hospital in Florida for a kidney infection that was treated with antibiotics. Eight years later, she got a large bill from the health system that bought the hospital. This bill was for an unrelated surgical procedure she didn't need and never received. It was a case of mistaken identity, she knew, but proving that wasn't easy. Shelby Knowles for KHN hide caption
Bennett Markow looks to his big brother, Eli (right), during a family visit at UC Davis Children's Hospital in Sacramento. Bennett was born four months early, in November 2020. Crissa Markow hide caption
Preventive care should be free to patients under the Affordable Care Act, but Elizabeth Melville of Sunapee, NH., was charged $2,185 for a colonoscopy in 2021. Philip Keith/KHN hide caption
Claudia and Jesús Fierro of Yuma, Ariz., review their medical bills. They pay $1,000 a month for health insurance yet still owed more than $7,000 after two episodes of care at the local hospital. Lisa Hornak for Kaiser Health News hide caption
While Sean Deines and his wife, Rebekah, were traveling in Wyoming in 2020, Sean got very ill and was diagnosed with an aggressive leukemia. A huge air ambulance bill added to their stress. Maddy Alewine/Kaiser Health News hide caption
Sugar and Greg Bull play with their twins, Redford and Scarlett, who were born prematurely in 2020. Their insurance company initially said the births were not an emergency, and the family ended up with bills totaling more than $80,000. Heidi de Marco/Kaiser Health News hide caption
Dhaval Bhatt plays Monopoly with his children, Hridaya (left) and Martand, at their home in St. Peters, Missouri. Martand's mother took him to a children's hospital in April after he burned his hand, and the bill for the emergency room visit was more than $1,000 — even though the child was never seen by a doctor. Whitney Curtis for Kaiser Health News hide caption
Baby Dorian Bennett arrived two months early and needed neonatal intensive care. Despite having insurance, mom Bisi Bennett and her husband faced a bill of more than $550,000 and were offered an installment payment plan of $45,843 per month for 12 months. Zack Wittman for Kaiser Health News hide caption
Jason Dean received six stitches and a tetanus shot after he cut his knee in May. In August, his wife, DeeAnn, feared going to the same emergency room where he was treated, delaying her diagnosis of Rocky Mountain spotted fever. Blake Farmer/WPLN News hide caption
Travis Warner of Dallas got tested for the coronavirus at a free-standing emergency room in June 2020 after one of his colleagues tested positive for the virus. The emergency room bill included a $54,000 charge for one test. Laura Buckman for KHN hide caption
Ely Bair had two medically necessary jaw surgeries. For the first, in 2018, his share of the bill was $3,000. For the second, in 2019 after a job change, he was billed $27,000, even though he had the same insurance carrier. Jovelle Tamayo for Kaiser Health News hide caption
Mikkel and Kayla Kjelshus' daughter, Charlie, had a complication during delivery that caused her oxygen levels to drop and put her at risk for brain damage. Charlie needed seven days of neonatal intensive care, which resulted in a huge bill — $207,455 for the NICU alone — and confusion over which parent's insurer would cover the little girl's health costs. Christopher Smith for KHN hide caption
Mikkel and Kayla Kjelshus' daughter, Charlie, had a complication during delivery that caused her oxygen levels to drop and put her at risk for brain damage. Charlie needed seven days of neonatal intensive care, which resulted in a huge bill — $207,455 for the NICU alone — and confusion over which parent's insurer would cover the little girl's health costs. Christopher Smith for KHN hide caption
Adam Woodrum and his son, Robert, get ready for a bike ride near their home in Carson City, Nev., this month. During the summer, Robert had a bike accident that resulted in a hefty bill from the family's insurer. Maggie Starbard for KHN hide caption
Matthew Fentress was diagnosed with heart disease that developed after a bout of the flu in 2014. His condition worsened three years later, and he had to declare bankruptcy when he couldn't afford his medical bills, despite having insurance. Meg Vogel for KHN hide caption
"Before the appendectomy, I was looking for property and homes to purchase, and that is pretty much completely off the table right now," says Shannon Harness, a veteran who was uninsured when he had two appendicitis-related surgeries in 2019. The bills amounted to $80,232. Rachel Woolf for KHN hide caption
Izzy Benasso injured her knee while playing tennis with her father Steve Benasso in Denver. After the college student had knee surgery to repair the injury, her dad noticed her medical bills included a separate one from a surgical assistant for $1,167. Rachel Woolf for KHN hide caption
It wasn't easy in early March to get a test in the U.S. confirming you had the coronavirus — scarce availability of tests meant patients had to meet strict criteria linked to a narrow set of symptoms and particular travel history. Ted S. Warren/AP hide caption