Released October 10, 2025
The percent of Ohioans with a credit report that includes medical debt dropped by nearly 40% from 2011 to 2022, although the percent remains higher than the U.S. overall, as illustrated above.
The decline in medical debt coincides with a drop in Ohio’s uninsured rate, which has been halved following the passage of the Affordable Care Act in 2010 and Ohio’s decision to expand Medicaid eligibility beginning in 2014.
A bipartisan bill under committee review in the Ohio House aims to curb aggressive medical debt collection practices.
House Bill 257 would end the ability of hospitals to garnish wages and would reduce (from 8% to 3%) the legal interest rate that runs on collection judgments. The legislation also would prohibit healthcare providers from reporting unpaid medical debts to credit reporting agencies. Bad credit scores can limit access to loans and raise costs for borrowers. The nation’s three largest credit bureaus voluntarily stopped reporting medical debt of less than $500 in 2023.
In recent media interviews, the sponsors – Rep. Jean Schmidt, a Cincinnati-area Republican, and Rep. Michele Grim, a Toledo Democrat – said medical debt isn’t like a car loan or credit card debt. Injuries and illnesses are usually unplanned, and patients have little ability to price shop or weigh pros and cons before executing what are oftenexpensive costs for health needs.
Maine, Colorado, Oregon, Vermont and others have recently passed legislation to prohibit providers from reporting medical debt to the credit agencies.