<prompt> Human: First of all, thank you rpersonalfinance for having a direct impact on my incredibly reasonable reaction to receiving the hospital bill didnt freak out at all!!. This sub has shown me that options are available.Here is a little context: Male aged 25. I am still on my parents health insurance until March 1st of this year when I will transfer to my companys insurance. My current insurance has an incredibly high deductible because my father can pay any medical expense out of pocket he is well off so he prefers to keep health insurance monthly payments as low as possible. My new insurance will have a much lower deductible, about 2,000. My father has offered help, but I want to exhaust all options before going that route. My current emergency fund is not sufficient to cover the entire bill. My income is heavily commission based, and I earned approx. 40k in 2015. Only debt is a car loan 3200.I have seen miracle stories on this sub about slashing medical bills, but cant seem to locate them. So here are my questions:1. What information do I need to know before I go and try to negotiate my bill at the hospital?2. Who exactly do I ask for when I want to negotiate in the billing department?3. How important is it that I am changing insurers during this process, and will changing insurers with a lower deductible benefit me? How do I use this information?4. Can I actually do anything about lowering the amount since it is basically the deductible?5. Anyone who has been in a similar situation have some tips?Thank You.Edit: sorry I am on mobile  <response>: How much was the actual bill? e.g. was it a 50K bill and you got hit with out-of-pocket max of 6,500, or was it a 7K bill and you got his with out-of-pocket max of 6,500. Your ability to negotiate is obviously dramatically different in these cases.Given that you have insurance, my best guess is that youll have no wiggle room here. Since your father is well-off, but you want to shoulder the burden, maybe ask him to pay the bill, and work out a payment schedule with him to have it paid off in a year or so. Be sure to offer him an interest rate in exchange for his generosity. 