<prompt> Human: Its not that I dont want to pay them, but im looking at roughly 8000 in medical debt right now, should I just chalk this up to a lossfailure on my part and use that money to invest in my 401k, savings, and HSA so I can avoid such catastrophes in the future and arrive in a solid place a few years down the road? I will be making roughly 30k to 40k this year, and im paying for school out of pocket, and will be incurring more medical debt in the immediate future that I want to pay off before I get behind on it.Assistant: You should negotiate with the hospital to lower what you owe. If youre not covered by any insurance plan, many hospitals will work with you. Even if they dont lower what you owe, they can set you up on a reasonable payment plan.Remember that the only ones paying those prices are people without insurance. The insurance companies negotiate big discounts on everything.Human: I have insurance, I had a surgery that cost In hospital prices 125,000 and my portion of that was 4500 for one bill specifically, and then a few others scattered around. My other debt is 2000 student loans, and 1000 in goddamn tickets. Ive always paid my student loans on time and I have to pay the tickets to keep my license but the medical debt... I mean...they already got there 125,000...  <response>: I mean...they already got there 125,000...Doesnt sound like it - it sounds like theyve gotten 121,500 and are waiting for you to pay your share. 