<prompt> Human: I had to go to the ER the end of 2016 because of a bug bite. At the time I had a health sharing plan. So no insurance, but it works similar to insurance. What insurance would call my deductible was only 500. At the time of the visit, that deductible was covered so I was going to owe nothing. When you add another person, it adds 500 to that deductible. I added my husband on it in the spring of 2017 and it naturally went to 1,000. My hospital bill was being processed at that time and their system didnt really know how to handle the switch so a 40.00 bill from the ER trip slipped through the cracks. They were supposed to pay it, but they didnt. Looking at it, they did get it adjusted down to 5.00. Now heres the fun part. I moved so the hospital didnt have my current address to send bills to and the acknowledgment for the adjustment didnt get to me either. I couldnt forward my address because it was listed as a business for some reason.So now I have a debt collector calling me for the full amount of 40.00 because my health sharing miscalculated what I owed and didnt pay the 5... and I didnt catch it.I called my health sharing company and pointed it out to them. They are re-looking at it.My question is, if this bill is already at a debt collector, can my health sharing company still pay the hospital directly? Can this be labeled as a mistake for my credit report?My gut says this is my responsibility and it slipped through the cracks. Part of me thinks its funny and the other part is stressed because...well, I love my credit score. hahaEdit: thank you all for the advice!  <response>: Theres a very good chance this isnt on your credit report. Just because a collection agency has a debt, doesnt mean its reported. In fact, its a tool they use to get you to pay pay up or it will hurt your credit. Ive been contacted by collectors in the past for minor things. Just pay it, its really nbd. 