A little publicized fact is that if you seek treatment at a not for profit hospital e.g. St. Lukes, Memorial, Methodist and you make below 200% of the poverty line. The hospital must treat you for free!   (This is not true at a for profit hospital e.g. HCA.) There is a sliding scale for patients that make slightly over 200% of the poverty line. The poverty line for a family of 4 is about $52000/year in 2022.