Key Takeaways Rising out-of-pocket health care costs have led many people to cut discretionary spending or increase credit card debt. Requesting an itemized medical bill can help you identify and dispute any incorrect charges. Hospitals often offer financial assistance programs, which can reduce or eliminate a patient's medical bills. Pricey medical bills can be overwhelming, forcing people to cut spending in other areas of their lives or to rely more heavily on high-interest debt. A survey of more ...