Section 2504J - Interest and payment plans(a) Large health care facilities and medical debt collectors may not charge any interest or late fees to patients.(b) Large health care facilities and medical debt collectors must offer to any patient with outstanding debt totaling $500 or more a payment plan and may not require the patient to make monthly payments that exceed 5% of the patient's gross monthly income. Failure to provide proof of income may not be used as a basis to deny any patient a payment plan.(c) No initial payment on a monthly payment plan may be due under any of the following circumstances: (1) Within the first 30 days after the health care services were provided.(2) Within 30 days after the first bill is sent.(3) During any period in which a medical creditor or medical debt collector has requested any form of documentation from a patient.(d) Prepayment or early payment penalties or fees, service or administrative charges or fees, or any other fees or charges unrelated to the care provided are prohibited, including on any payment plans.(e) Notwithstanding any other provisions in this section, a patient is not prohibited from voluntarily making any additional or early payments on any medical debt at any time.Added by Laws 2023 , ch. 198, s 1, eff. 3/11/2024.