<prompt> Human: I was admitted to the hospital overnight back in April unexpectedly. I live under the poverty line and the insurance company is telling me that at the end of the day I still owe about 2500 to the hospital. I havent paid anything yet because I simply cant at the moment. Hospital told me I dont qualify for any write offs because I had insurance. So I guess Im 2500 in the hole with them. Whatever, Ill pay it slowly with a payment plan the best I can I guess. However, I used to have pretty alright credit but Im scared this is gonna destroy it. Heard that hospital bills do not affect credit but dont know if thats actually true or not. Thoughts and input would be appreciated : thank you!  <response>: Not true. However, not all hospitals report anything to a credit agency. Others pursue debt really quickly. Typically though the general practice is that if a patient is making payments on a payment plan, they dont send it to collections or report anything. You just need to find out with that specific hospital. 