Your Money or Your Life: A Physician on the Miseries of Medical Debt

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Dr. Luke Messac is an emergency physician and historian whose new book is Your Money or Your Life: Debt Collection in American Medicine (Oxford University Press). Messac also wrote the article "Why Medical Debt Forgiveness Drives Are Not Enough" for Current Affairs. Messac's book looks at the entire history of medical debt, how hospitals went from being (somewhat) charitable institutions to farming debt collection out to huge companies that make massive profits off shaking down poor people. He joins today to explain the harms that medical debt does to patients' lives (and to their relationships with their doctors), how the debt collection industry works, and why things don't have to be this way. 

"We must reckon with the bounty hunters of medicine: the debt collectors who haunt the lives of the millions of Americans who cannot pay for their medical care. Any solution that leaves intact an industry that profits off the financial captivity of the poor cannot credibly be called just. It is time to build a future without medical debt or its collectors." — Luke Messac