Medical Debt Relief

At WishBig, we believe that no one should be forced to choose between medical care and financial survival. In a nation where millions of families are burdened by overwhelming medical bills, we provide real, lasting relief by purchasing and abolishing medical debt—no strings attached.

The Problem We're Solving

Every year, millions of Americans incur medical debt not because they were irresponsible, but because they got sick or injured. Even with insurance, deductibles, copays, and non-covered services quickly pile up, leaving individuals and families in financial crisis. For many, this debt leads to damaged credit, emotional stress, and an impossible choice between paying bills and maintaining their health.

Hospitals and healthcare systems often struggle too—writing off uncollected balances, managing rising uncompensated care, and facing complex billing challenges.

That's where WishBig comes in.

Our Model: Turning Donations Into Debt Forgiveness

Through the power of philanthropy, community support, and our partnerships with healthcare providers and financial institutions, WishBig identifies and purchases bundled portfolios of unpaid medical debt—often for pennies on the dollar—and forgives it entirely.

Here's how the process works:

Step 1: Donations Fuel the Mission

Generous donors—individuals, businesses, foundations, and even communities—contribute to WishBig to help eliminate medical debt. Every dollar donated has a multiplied impact, often forgiving $100 or more in actual medical debt.

Step 2: We Buy Medical Debt in Bulk

Using these funds, WishBig purchases large portfolios of delinquent or written-off medical debt directly from healthcare providers, collection agencies, or financial intermediaries. These debts are legally owed—but we buy them to forgive them, not to collect on them.

Because the debt is often deeply discounted in the secondary market, we are able to acquire significant volumes of debt with a modest amount of funding.

Step 3: We Forgive the Debt—Forever

Once purchased, the medical debt is officially and permanently abolished. Recipients receive a letter from WishBig informing them that their medical debt has been forgiven.

Step 4: We Strengthen Communities and Healthcare Systems

Our work doesn't stop at the individual level. By relieving debt on a mass scale:

• Patients regain peace of mind, improved credit, and the freedom to prioritize their health.
• Hospitals and clinics reduce their bad debt burden and can redirect resources to patient care.
• Communities benefit from greater economic stability, trust, and health equity.

We also help hospitals build more compassionate, patient-centered revenue cycle models by providing insight and partnership opportunities rooted in impact and dignity.