Millions of families, every year, have difficulty paying their medical bills. However paying your medical bills is as important as paying any other bill. You are responsible for paying all of your medical bills and if you do not pay your bills on time according to the terms of the billing agreement the healthcare provider can – and will – report your failure to pay to the three credit bureaus. That will negatively affect your credit rating, making it more difficult and expensive to get loans or credit in the future. Negative credit reports can also affect your ability to get health insurance.