For many Americans, “medical crisis” and “debt” go hand-in-hand. Though just 6% of the population owes over $1,000 in medical debt, nearly 20% of households have fallen overdue. Fortunately, unlike credit card and student loan debt, it’s easier to engage in medical bills negotiation. Administrative errors, unknowingly receiving out-of-network care, even poorly-worded diagnoses can all jack up your bill.