The insurance issue is a bit messy to say the least. You don’t have to make big payments though, if you send them $5.00 a month, they cannot refuse it.
Actually I was going to do that but the hospital is being a dick and saying I have to pay it in 6 months, which puts me close to $500 a month and I just cannot afford that. If they give me more like 3 years I could afford that.