How to Apply for Hospital Financial Assistance

What is hospital financial assistance?

Hospital financial assistance, also called charity care, is a program that reduces or eliminates medical bills for patients who cannot afford to pay. Under the Affordable Care Act, all nonprofit hospitals that accept Medicare must have a written financial assistance policy and must make it publicly available. For-profit hospitals are not required to have these programs, though many do.

Who qualifies?

Eligibility is based primarily on income relative to the federal poverty level (FPL). Most programs cover patients earning up to 200% of the FPL for full charity care, with sliding-scale discounts for patients earning up to 400% of the FPL. Some hospitals extend coverage to 600% of the FPL or higher. As of 2026, 400% of the FPL is approximately $60,000 for a single person and $124,000 for a family of four.

How to find the program

Every nonprofit hospital must post its financial assistance policy on its website. Search for "[hospital name] financial assistance" or "charity care." You can also ask the billing department directly — they are required to tell you about the program. If you are admitted to the hospital, ask about financial assistance before you leave.

How to apply

The application typically requires proof of income (recent tax returns, pay stubs, or Social Security award letters), proof of identity, and information about your household size. Some hospitals also require bank statements. Submit the application as soon as possible — most hospitals will pause collection activity while your application is under review.

What if you are denied?

If your application is denied, ask for the specific reason and whether you can appeal. If your income is just above the threshold, ask about the sliding-scale discount program. You can also ask a hospital social worker or patient advocate to help you navigate the process.