 TITLE: How Does Health Insurance Work? CONTENT: How Can Medical Bills Impact Your Credit?\n-----------------------------------------\nHaving a health insurance plan can save you money on medical expenses and help you better stay current on your bills. But you'll likely still have to pay for copays, coinsurance, deductibles and potentially out-of-network providers.\nUnpaid medical bills won't appear on your credit reports until after they're sent to collections, which can happen once the bill is 60, 90 or 120 days past due. During this time, you'll hopefully be able to work out payment details with the provider and your insurance. Even after medical debt is sent to collections, the three major consumer credit bureaus (Experian, TransUnion and Equifax) wait 180 days before adding it to your credit report.\nIf you want to keep an eye on your credit, you check and monitor your Experian credit report for free. END