WeVote
Log In

Bill

Bill

HB 1302

An Act providing for limitation on medical debt interest, for a penalty and for right to equitable relief.

2025-2026 Regular Session Introduced by Lisa Borowski and 24 co-sponsors

HB 1302 caps interest rates on medical debt in Pennsylvania and creates penalties plus equitable relief options for consumers harmed by excessive rates.

Referred to Consumer Protection, Technology & Utilities
0
WeVote Research Nonpartisan
Bill Summary · HB 1302

Legislative bill overview

HB 1302 would limit the interest rates that can be charged on medical debt in Pennsylvania and establish penalties for violations. The bill also creates a right to equitable relief for consumers harmed by excessive medical debt interest practices.

Why is this important

Medical debt is the leading cause of personal bankruptcy in the United States, and high interest rates compound financial hardship for patients already struggling with healthcare costs. This legislation directly addresses a gap in consumer protections by capping what healthcare providers and debt collectors can charge on medical bills, potentially providing relief to thousands of Pennsylvanians.

Potential points of contention

  • Definition and scope ambiguity: The bill's specific interest rate caps are not detailed in available summaries, leaving unclear whether limits apply to all medical providers, only certain types, or specific debt collection scenarios
  • Healthcare provider opposition: Hospitals and medical systems may argue that interest limitations reduce their ability to manage cash flow and fund operations, particularly for smaller providers
  • Interaction with existing law: Unclear how this interacts with Pennsylvania's existing usury laws, federal debt collection regulations, and existing healthcare billing practices already in place

Compiled from official sources — confirm details with the bill’s official record.

Sign in to ask a question.