You do realize that hospitals write off billions of dollars worth of care every year don't you?
And medial debt has very little effect on credit scores thanks to a change in FICO policy
Yes, they do. It's another fine example of the WASTE in the current system. They write off lots of bad debt, and pass the costs along to those of us with insurance.
BUt they also get judgments against the people who owe them money, who now have to go around with huge judgments against them that often limit their ability to get better jobs when employers do credit checks.
The Awfulness of our system is pervasive. It just isn't limited to health care. It also causes 62% of bankruptcies, (75% of whom had insurance when the crisis started) and adds to the expense of American made products, which makes them non-competitive in the world market.