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of the nation’s 3.3 trillion in annual health care expenditures are for people with chronic and mental health conditions.
National Center for Chronic Disease Prevention and Health Promotion

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You’re living your life presumably healthy and then all of sudden you get a few symptoms that don’t go away. Then all of a sudden what you thought was a fever, turns out to the beginning of a “new normal.” Not only are you trying to physically recover, endure mentally, and figure out life, you are now hit with mounting medical bills.

Living with a chronic illness not only affects your quality of life physically but also financially. Even with insurance, medical bills add up quickly, and it is all too easy to fall behind. My husband and I (Nikki) have attempted the Dave Ramsey plan, but it feels like we will be stuck on Step 2 forever due to mounting medical bills. Despite having to pay for surgery a couple of years back, the biggest cost in my prescription medication. I’m on a bi-monthly infusion schedule which needs to be regularly maintained in order to stay alive. However, the cost is astronomical. Many times I’ve tried freelancing so I could have more time with my kids and greater flexibility. However, I often find myself going back to work for a company in order to get employer-sponsored health insurance.

Even though unpaid medical bills seem inconsequential, the negative impact on your credit score may prohibit you from moving forward in various stages of your life (getting a car loan, obtaining a mortgage, etc). Despite the challenges, there are things you can do. Below is a curated a list of articles and resources to help you manage your finances.

 

Three Articles for Managing Medical Bills 

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What To Do When You Get Medical Bills You Can’t Afford

You’re young. You’re healthy. But that doesn’t mean you won’t have a medical emergency tomorrow and get stuck with some whopping bills. These bills can get overwhelming really fast and it can be tempting to just ignore them. But let’s be clear here-you do have to pay them.

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Medical Debt & Collections: Paying off & Settling Debt

Health care and hospitalization costs have soared far beyond what most people can cover on their own. Unless you have a rock-solid insurance policy, a medical emergency could suck up your savings like a vacuum cleaner, leaving you with debts you can’t cover.

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6 Options to Pay Off Your Medical Debt – NerdWallet

The route to paying off medical debt isn’t as clear-cut as with other forms of debt, such as a loan or credit card. There’s generally more room to negotiate the terms of repayment – and maybe even to reduce the amount you owe.

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