It is important to note that negotiating medical bills only works if you are uninsured. “It gets a little more complicated if you have insurance and a high deductible, which is another financial barrier to healthcare. Once you sign up with insurance (typically through your employer) and then use your insurance for medical services, you are obligated to pay your portion of the bill in accordance with the ‘explanation of benefits’ of your insurance. That is why these costs are non-negotiable,” said Dr. Calderilla.

“When employers are having open enrollment, I highly encourage everyone to review the materials carefully to know exactly what your out-of-pocket expenses will be. There are usually health insurance counselors available when open enrollment occurs. They are a great resource to explain your benefits before you decide which plan is best for you.”

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