Americans carry $220 billion in medical debt, according to the National Institute of Health, and health benefit costs are expected to jump 8.2% in 2027, the largest increase since 2003. It’s no surprise the cost of health care has left Americans frustrated — and it’s even got some people deciding to skip medical payments altogether.
Ian Howard is one of them. The 28-year-old posted a now viral TikTok saying he was shocked to get a $1,000 bill for a brief emergency room visit. His solution? Ignoring it.
“I went in for a sprained ankle. All’s they did was look at it and say, ‘The b— is sprained,’ ” Howard said in the 24-second TikTok. “Y’all ain’t never seeing that money!”
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Howard isn’t just avoiding that specific medical bill. He starts the video by declaring he has no intention to ever pay any medical bills.
“I will never pay a medical bill in my life,” Howard rants. “I would rather die.”
The video has garnered more than three million views of TikTok, over 430,000 likes and thousands of comments that show Howard isn’t alone in his sentiment. Social media sites like TikTok are full of people who say their medical bills are too high and they have no intention of paying them. They’re also encouraging others to do them.
There’s also some users who are providing tips on how to lower medical bills. Lauren Meadows, a TikToker with 256,000 followers, said in one of her videos that the medical debt she incurred from giving birth was sent to a debt collector. The collector offered her a 25% discount.
“I guess the moral of the story is let your medical bills go to a debt collector, ‘cause then they’ll cut it down,” she said in the video.
Frustration over medical expenses
According to The Wall Street Journal, social-media intelligence firm Sprout Social found that in just three months there have been more than 426,000 mentions across X, BlueSky, YouTube and Reddit on medical bills, including advice on how not to pay them and how to negotiate them lower. That marks a 36,000% increase compared to the 1,163 mentions recorded in the same period last year.
It’s unsurprising that Americans are becoming increasingly frustrated with their medical bills, given that millions are dropping Affordable Care Act plans now that subsidies have ended. According to the National Center for Health Statistics, 28 million Americans were uninsured in 2025.
And even those with insurance are often left paying off medical debt. According to The Commonwealth Fund, 32% of working-age adults with private insurance are paying off medical bills or debt over time and 46% say their unpaid bills total $2,000 or more.
Howard told the Wall Street Journal he posted about his ER bill because “I feel like most people probably relate as far as hospitals trying to upcharge an insane amount,” he said.
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Should you leave your bills unpaid?
Leaving your hospital bills unpaid may seem like an easy solution, but it can come with real risks. If you leave your bills unpaid, you’ll first be hit with late fees. If the bill stays unpaid for an extended period of time, it will then be sent to a collection agency.
Major credit bureaus often don’t include medical debt that’s under $500. However, debt that’s $500 or more and over a year old will show up on your credit report and could stay there for up to 7 years. This could have a serious impact on your credit score.
Leaving medical bills unpaid can also impact hospitals. According to Vizient’s Kaufman Hall unit, patient debt and the cost of charity rose by 16% in the first half of 2026, compared to the same period a year ago. This puts financial pressure on hospitals, which are already dealing with thin margins.
How to lower your bills
So what options do you have to deal with high medical bills? Patients should always ask for itemized medical bills to see what exactly they are being charged for and why. If there are mistakes or duplicate charges, ask the hospital to remove them.
It’s also important to get a full explanation of benefits from insurers to know what exactly is covered. From there, you can attempt to negotiate your bill with your insurance provider.
“Providers are more than willing to settle on these things,” healthcare reform advocate Jeff Smedsrud told CNBC Select. “They’re willing to get paid something, rather than nothing. Review the charges together and try to negotiate a deal.”
Patients can also ask hospitals what financial-assistant programs they are eligible to help cut bills.
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Rinna Diamantakos is a contributing editor at Moneywise.com. A versatile journalist, she has experience as a writer, editor and producer. Her work has focused on politics, business and financial news.
