Seemingly everyone is suffering right now, with the unemployment rate higher than it has been in over two decades. While nothing can have a greater immediate impact on your finances than losing a job, if you add medical bills on top of this, it can spell disaster. Unmanageable medical bills have long been a leading cause of personal bankruptcy in this country, and that was even before the recession hit. For people who find themselves with medical needs and no employment or health insurance, the situation can quickly get out of hand. Experts recommend that in cases where people are without insurance and facing high medical bills, that they work to negotiate a payment plan or even negotiate the cost of treatment. Most providers would rather receive some reimbursement for services than to have to send someone to collections and possibly get nothing out of them, so work with your health care providers to arrange an equitable solution. What other bits of advice would you give someone in such a situation?