Medical debt is incredibly easy to accrue. All it takes is an accident or an unexpected bill tacked onto an expected procedure or an out-of-network charge you didn’t know was out-of-network. Nationally, almost 24 percent of nonelderly Americans have past-due medical debt, according to an Urban Institute report published this week.
State-to-state, the debt rates vary widely, from a low level of indebtedness in Hawaii at about 6 percent of the population, to Mississippi at about 37 percent. West Virginia's rate is about 33 percent.