I was talking to a friend over the weekend and he told me that some states in the United States don't allow unpaid medical bills to be reported in the person's credit report. If that were true than suppose a situation in which a person makes a one-time visit to a clinic and it costs around $500. If they were to live in such a state and were uninsured (or had a high deductible), what incentive would they have to pay the clinic? Clinic would send the claim to collection agencies whose calls can always be ignored. Is there something I am missing when asserting the situation or is it mostly okay.
Also, before you downvote, I want to point out that I don't condone not paying for a service received and what is described is not a course of action I would like to take. I also want to point out that this is not a SE about ethics and morality so please keep that in mind.