On the average, the medical bills are inflated by at least 50%

because the hospitals know that about 50% of bills are uncollectible. I once negotiated with a hospital about my parent's medical bills. They quickly agreed to cut it by half when I told them I would pay if they gave such a discount. But if the same type of things happen again, I would choose to ignore the bills. I was forced by IRS to pay a large unjustifiable tax bill one year, because that's the "rule", even though it didn't make any sense. So my advice is to pay what you have to pay and not to pay what you don't have to pay.