How to dispute a medical bill in Washington
Washington-specific law
Hospitals must provide charity care by income. Large (Tier 1) hospitals: free up to 300% of the poverty line, 75% off at 301-350%, 50% off at 351-400%. Other (Tier 2) hospitals: free up to 200%, 75% off at 201-250%, 50% off at 251-300%.
Source: RCW 70.170.060
Summary for education, last checked October 2026. Not legal advice; verify the current statute.
Federal rights that apply in Washington
- No Surprises Act: uninsured or self-pay patients billed $400+ over their Good Faith Estimate can start a patient-provider dispute within 120 days of the bill (cms.gov/nosurprises).
- Charity care: nonprofit hospitals must publish a Financial Assistance Policy and accept applications for at least 240 days after the first post-discharge bill (IRS 501(r)(6)).
- Itemized bill: you can ask any provider for an itemized bill with billing codes before paying. Our free letter makes the request.
- Debt collection: you can demand validation of a debt from a collector (FDCPA, 15 U.S.C. 1692g).
- 2026 poverty guideline (48 states + DC): $15,960 for 1 person, +$5,680 per additional person (HHS).