The beginning of 2026 brought the end of government subsidies that made health insurance significantly more affordable for those who have been able to get health insurance thanks to the Affordable Care Act (ACA). Here in Oregon, that is through the Oregon Health Insurance Marketplace.
Now, there’s another concern for many Oregonians. Gov. Tina Kotek recently signed a bill into law that affects many of those who qualify for discounted or free care at nonprofit hospitals.
How has the law changed?
Specifically, the new law limits when these hospitals have to determine whether a patient qualifies for financial aid before billing them. They’re now only required to pre-screen and, if applicable, offer insured patients this financial aid if their visit or stay will cost more than $1,500. That is triple the previous amount.
Those patients who are uninsured or on the Oregon Health Plan (OHP), which is the state’s version of Medicaid, will continue not to be billed unless and until it’s determined that they do not qualify for this financial help. The new law stemmed from hospital executives’ complaints about the cost of Oregon’s “presumptive eligibility” law – the first of its kind in the country.
Those in favor of the new law point out that it doesn’t take financial aid away from anyone. It just requires that fewer people be screened before being sent a bill. Patients who receive a bill who believe they qualify for discounted or free care need to complete a Charity Care/Financial Assistance Application.
Why the new law may increase medical debt
Since more responsibility is moved from the hospitals to patients and their families, people are more likely to lose out on benefits to which they’re entitled. They may not receive the application, neglect to complete it or even be too embarrassed to do so.
All of this will only worsen the crisis of medical debt, which is a leading cause of bankruptcy throughout the U.S. When people are overwhelmed by medical bills, it can affect their entire life and their ability to afford everyday living expenses. Getting experienced legal guidance can help people determine the best way to overcome medical debt and strategize a clear financial path.
