If you are uninsured or underinsured, you might be eligible for financial assistance directly from the hospital. The Affordable Care Act, ACA, mandates that hospitals maintain a written financial assistance policy, that’s called an FAP, financial assistance policy, and an emergency medical care policy. These programs can potentially offer you free or reduced cost medical care. To apply, you will need to complete an application and submit financial documents. During the application review process, you can request that the debt collectors temporarily halt debt collection efforts. If you need help, please call me. I’m here to help you.