Affordable Care Act
A home care worker in Allentown, Pennsylvania, Lynn Weidner has never known life without medical debt. When her ACA subsidies disappeared and her premium rose to $865 a month, she couldn't downgrade her plan, so she cut her internet, stopped buying beef, and gave up the one family trip she takes each year.
Medicaid
Julia Rion has managed Crohn's disease since childhood, but even with employer-sponsored insurance, she spent $500 to $1,000 a month out of pocket on care, accumulating $5,000 in medical debt in a single year. After losing her job, Medicaid expansion coverage in New York gave her the stability her previous insurance couldn't, but it didn't erase the fear of what a lifetime of chronic illness could cost her.
Medicaid
Priced out of her husband's employer plan, Abbey Diamond decided to stay uninsured, telling herself, "I'll just hope for the best." Then a piece of food became lodged in her throat, leading to emergency surgery and a $17,000 hospital bill she is still paying off, all while she fears what happens to her family's care once her postpartum Medicaid coverage ends.
Medical Debt
Keaton Herzer describes navigating his cancer treatment as fighting a system "designed to wear me down and get me to quit." Between insurance denials for a targeted therapy and, later, a life-saving liver transplant, he and his wife drained their savings account and spent a month appealing decisions, all while he was still living scan to scan, unsure if he would survive.
Medical Debt
Kelly Gunn, a 46-year-old Virginia resident with employer-sponsored insurance, was diagnosed with stage 1 breast cancer in July 2024 and faced thousands in out-of-pocket costs. She later learned her bill could be slashed by 50% or more once it reached collections, leading her to advocate for transparent, consistent pricing from the first bill rather than after financial hardship sets in.
Medical Debt
When Jen Jobe was diagnosed with stage 4 colon cancer at age 38, her focus was survival. She did not expect that years after treatment ended, she would still be fighting the financial consequences of staying alive.
Medical Debt
Carmilla Collins is a 51-year-old single mother living in Douglas County, Omaha, Nebraska. She works full time and holds a part-time job to make ends meet, raising her 15-year-old daughter while supporting herself on paychecks that leave little margin for error — and even less for unexpected medical bills. For the better part of a year and a half, she had no health insurance at all.
Medical Debt
Bill McAdams built a 13-year career as an emergency room nurse, caring for people at their most vulnerable. In September 2025, he had an ischemic stroke while on assignment in Indiana — and woke up with a $93,000 hospital bill. Uninsured, he navigated the charity care system with the same determination he brought to his patients — only to be denied, misled, and pushed to a breaking point that ended in a second stroke.
Medical Debt
A Pennsylvania mother dropped her own health insurance to keep her husband and children covered — a decision that nearly cost her life when an untreated infection progressed to sepsis.
Affordable Care Act
When the cost of Lori Lay's ACA premiums exploded into half of her income, she faced the devastating risk of her family becoming uninsured. When her son suffered a serious car accident, she realized just how dangerous that possibility could be.