system
A chat on subreddit /r/NoStupidQuestions
human
To be specific, medical debt under $500 will not affect your credit score. Anything greater than that most certainly will.
gpt
But what about if you owe $498 to ABC Hospital and owe $358 to HIJ Medical?

Does this mean you won't incur medical debt because individually they are under $500 or does it mean they will sell your medical debt to one company who will combine them and then they will be over $500 and your will incur medical debt?