Berkeley Talks

When Luke Messac began his emergency medicine residency at Rhode Island Hospital in 2018, he noticed a lot of his patients came to him concerned about costs. Some worried about his recommendations for them to stay in the hospital overnight. Others questioned his motives when he asked them to undergo a test, like an X-ray or MRI. A few came in way too late in the course of their illnesses out of fear of the cost. He’d heard about aggressive debt collection practices at hospitals around the country that put people at risk of profound financial and legal consequences. It made him wonder: Was his hospital doing that, too? After a quick trip to the country courthouse to examine the case files, what he found troubled him. “I was inundated with what I thought were pretty horrific cases,” said Messac, author of the 2023 book, Your Money or Your Life: A History of Medical Debt Collection in the United States. “Low-income single moms, people living on disability, recent immigrants, were facing thousands of do