State Guides
States That Limit Medical Debt Interest Rates
At least 13 states cap or ban interest on medical debt, protecting patients from compounding charges on medical bills.
September 13, 2026
State Guides
State-by-state patient protections: charity care mandates, medical debt laws, surprise billing rules and where to complain in each state.
State Guides
State Balance Billing Bans
Eighteen states enacted balance billing protections beyond federal law; know your state's coverage gaps and how to challenge bills.
September 11, 2026
State Guides
State Medical Debt Credit Reporting Bans
Fifteen states banned medical debt from credit reports, but federal courts ruled state laws may violate federal law.
September 11, 2026
State Guides
State Surprise Billing Protections Beyond Federal Law
State laws fill gaps in federal surprise billing protections, but self-insured employer plans remain excluded.
September 10, 2026
State Guides
States With the Strongest Hospital Financial Assistance Laws
California, Illinois, Washington, and New Jersey lead with free hospital care up to 400–600% poverty level and debt-collection protections.
September 10, 2026
State Guides
State Charity Care Laws Compared
Twenty states legally require hospitals to offer free or discounted care based on income, but 30 states impose no state-level requirement—leaving charity care to…
September 9, 2026
State Guides
State Medical Debt Protections: How They Differ
State protections for medical debt differ dramatically: some ban interest and garnishment entirely while others allow 3% annually and take your paycheck.
September 9, 2026
State Guides
Where to File a Complaint About a Medical Bill in Your State
State insurance commissioners, attorneys general, and Medicare handle medical bill complaints through different channels depending on your coverage and the billing problem.
September 8, 2026
State Guides
States That Require Hospitals to Offer Charity Care
Check your hospital's financial assistance policy—all nonprofits must offer it, and 19 states legally require even more generous terms than federal law mandates.
September 8, 2026