Medical debt is exploding as patients assume more responsibility for healthcare costs. Already accountable for 10 percent of US health expenditures, out-of-pocket spending is expected to reach $542 billion by 2025. But, payments lag billings. Since 2000, U.S. hospitals have provided more than $502 billion in uncompensated care expenses. It’s not just for uninsured patients either. The rate of bad debt for insured patients is increasing by more than 30 percent each year at some hospitals.