Most people would love to pay their medical bills. Bad credit is not something anybody wants if they can help it, creditors calling their phones constantly or being taken to court!
The problem is that the bills are so outrageous! Fifteen minutes with a doctor at the emergency room costs $1,050. Another 20 min visit with a doctor the next day if admitted, costs another $480. To spend the night, it costs $13,500. And there is extra if you had any labs, x-rays, etc.
However, if you have insurance, even if they won't cover it, you automatically get a discount because of what the insurance "allows." Well if you can't afford insurance, you sure as heck can't pay more for things than they do!!