Roxie Hammill, Author at Â鶹ŮÓÅ Health News Â鶹ŮÓÅ Health News produces in-depth journalism on health issues and is a core operating program of Â鶹ŮÓÅ. Thu, 16 Apr 2026 02:02:02 +0000 en-US hourly 1 https://wordpress.org/?v=6.8.5 /wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=32 Roxie Hammill, Author at Â鶹ŮÓÅ Health News 32 32 161476233 Changing Clocks Is Bad For Your Health, But Which Time To Choose? /public-health/daylight-saving-time-debate-changing-clocks-is-bad-for-your-health-but-which-time-to-choose/ Fri, 14 Feb 2020 10:00:15 +0000 https://khn.org/?p=1044733 Changing over to daylight saving time — a major annoyance for many people — may be on its way out as lawmakers cite public health as a prime reason to ditch the twice-yearly clock-resetting ritual.

The time change, especially in the spring, has been blamed for increases in heart attacks and traffic accidents as people adjust to a temporary sleep deficit. But as legislatures across the country consider bills to end the clock shift, a big question looms ahead of this year’s March 8 change: Which is better, summer hours or standard time?

There are some strong opinions, it turns out. And they are split, with scientists and politicians at odds.

Retailers, chambers of commerce and recreational industries have historically wanted the sunny evenings that allow more time to shop and play.

Researchers on human biological rhythms come down squarely on the side of the standard, wintertime hours referred to as “God’s time” by angry farmers who objected to daylight saving time when it was first widely adopted during World War I.

What’s not in question is that the clock switching is unpopular. Some and falling back, according to a 2019 Associated Press-NORC Center for Public Affairs Research poll.

Politicians have reacted accordingly. More than 200 state bills have been filed since 2015 to either keep summer hours or go to permanent standard time, according to the National Conference of State Legislatures.

The measures getting the most traction right now are for permanent daylight saving time, which makes more sun available for after-work activities. In 2018, Florida passed a bill and California voters backed a ballot measure to do so. Maine, Delaware, Tennessee, Oregon and Washington joined in 2019, passing permanent daylight saving bills. President last March, tweeting: “Making Daylight Saving Time permanent is O.K. with me!”

But none of those efforts can become reality without the blessing of Congress. States have always been able to opt out of summer hours and adopt standard time permanently, as Arizona and Hawaii have done. But making daylight saving time year-round is another story.

Still, Scott Yates, whose website has become a resource for lawmakers pushing for change, believes this year will be another big year. Yates is particularly encouraged by the attitude he saw from state legislators in August when he presented on the issue at the legislators’ annual national summit in Nashville, Tennessee.

“I wasn’t the court jester and it wasn’t entertainment,” he said. “It was like, ‘What are the practical ways we can get this thing passed?’”

Seeking To End ‘Spring Ahead, Fall Back’ Cycle

Yates, 54, a tech startup CEO based in Denver, has been promoting an end to clock switching for six years. He doesn’t pick a side. It’s the switching itself that he wants to end. At first, it was just about the grogginess and annoyance of being off schedule, he said. But then he began to see scientific studies that showed the changes were doing actual harm.

A German study of autopsies from 2006 to 2015, for instance, showed a significant uptick just after the spring switch in deaths caused by cardiac disease, traffic accidents and suicides. Researchers have also noted a significant increased risk for heart attacks and strokes.

Three measures pending in Congress would allow states to make daylight saving time permanent. But, in the meantime, state lawmakers who want the extra evening sunlight are preparing resolutions and bills, some of which would be triggered by congressional approval and the adoption of daylight time in surrounding states.

The Illinois Senate passed such a bill, and Kansas is considering one after a bill to end daylight saving time died there last year. Utah passed a resolution in support of the congressional bill last year, and state Rep. , a Republican family physician from Bountiful, is steering a recently passed state Senate permanent daylight bill through the House.

“The human clock was not built to jump back and forth. That’s why we get jet lag,” said Ward, who was a co-presenter with Yates at the NCSL summit. “It is very easy to show that if you knock people off an hour of sleep there’s a bump temporarily in bad things that will happen.”

Efforts have been particularly strong in California, where 60% of voters passed a ballot issue for permanent daylight time in 2018. A bill is pending in the state Assembly.

Science Backs Sticking With Standard Time

All of this alarms scientists who study human biological rhythms.

Researchers in the U.S. and the European Union have taken strong positions about permanent summer hours. The posts its opposition prominently at the top of its website.

Messing with the body’s relationship to the sun can negatively affect not only sleep but also cardiac function, weight and cancer risk, the society’s members wrote. According to one often-quoted study on different health outcomes within the same time zones, each 20 minutes of later sunrise corresponded to an increase in certain cancers by 4% to 12%.

“Believe it or not, having light in the morning actually not only makes you feel more alert but helps you go to bed at the right time at night,” said Dr. , director of the sleep division of Vanderbilt University School of Medicine. Malow has seen a lot of anecdotal evidence to back that up at the sleep clinic. Parents report their children with autism have a particularly hard time adjusting to the time change, she said.

Jay Pea, a freelance software engineer in San Francisco, was unhappy enough about California’s proposed permanent daylight time that he started the website to promote the health arguments for keeping it permanent. He said he doesn’t think the scientific community is being heard.

“Essentially it’s like science denial,” he said. “It’s bizarre to me that politicians are not hearing the experts on this.”

Pea, 41 and an amateur astronomer, understands the human need to have the sun directly overhead at noon. “It’s a wonderful connection to natural reality that unfortunately is lost on many people,” he said. Daylight saving time “distances us from the natural world.”

At the very least, lawmakers ought to consider history, he said. Daylight saving time was originally a plan to save energy during the two world wars but wasn’t popular enough to be uniformly embraced after the conflicts were over. In 1974, the federal government decided to make it temporarily year-round as a way to deal with the energy crisis (although energy savings were later found to be underwhelming).

Its popularity fell off a cliff after the first winter, when people discovered the sun didn’t rise until 8 a.m. or later and parents worried for the safety of kids waiting in the dark for school buses.

Pea finds it frustrating that the momentum now is for permanent summer hours — a fact he attributes to the emotional attachment with summer. “It’s a shame that every generation we have to revisit this issue,” he said.

The AP-NORC poll found 40% of its respondents support permanent standard time, with 31% opting for permanent daylight saving time.

Ward said people have gotten comfortable with daylight saving time since its duration has been lengthened to eight months by extensions in 1986 and 2007. (Before 1986, daylight saving time lasted six months.)

“So now really most of the year we are on the summer schedule, and people are used to that and they like it,” he said. “That makes them more aggrieved when we change back to the winter schedule.”

In any case, changing the clocks is a rare issue in that it isn’t partisan, Ward said. “If the government can’t respond to people when they want something and it’s not even a partisan issue, that’s just a sad commentary,” he said. “Can’t we please fix something that doesn’t make sense anymore?”

Â鶹ŮÓÅ Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at Â鶹ŮÓÅ—an independent source of health policy research, polling, and journalism. Learn more about .

This <a target="_blank" href="/public-health/daylight-saving-time-debate-changing-clocks-is-bad-for-your-health-but-which-time-to-choose/">article</a&gt; first appeared on <a target="_blank" href="">Â鶹ŮÓÅ Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150&quot; style="width:1em;height:1em;margin-left:10px;">

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1044733
Churches Wipe Out Millions In Medical Debt For Others /health-care-costs/churches-wipe-out-millions-in-medical-debt-for-others/ Mon, 03 Jun 2019 09:00:23 +0000 https://khn.org/?p=954427 The leaders of Pathway Church on the outskirts of Wichita, Kan., had no clue that the $22,000 they already had on hand for Easter would have such impact.

The nondenominational suburban congregation of about 3,800 had set out only to help people nearby pay off some medical debt, recalled Larry Wren, Pathway’s executive pastor. After all, the core membership at Pathway’s three sites consists of middle-income families with school-age kids, not high-dollar philanthropists.

But then they learned that, like a , that smaller amount could wipe out $2.2 million in debt not only for the Wichita area but all available debt for every Kansan facing imminent insolvency because of medical expenses they couldn’t afford to pay — 1,600 people in all.

As Wren thought about the message of Easter, things clicked. “Being able to do this provides an opportunity to illustrate what it means to have a debt paid that they could never pay themselves,” he said. “It just was a great fit.”

Churches in Maryland, Illinois, Virginia, Texas and elsewhere have been reaching the same conclusion. RIP Medical Debt, a nonprofit organization based in Rye, N.Y., that arranges such debt payoffs, reports a recent surge in participation from primarily Christian places of worship. Eighteen have worked with RIP in the past year and a half, said Scott Patton, the nonprofit’s director of development. More churches are joining in as word spreads.

The mountain of bills they are trying to clear is high. Medical debt contributes to , according to the American Journal of Public Health. And a 2018 Kaiser Family Foundation/New York Times poll showed that of the 26% of people who reported problems paying medical bills, 59% reported a major life impact, such as taking an extra job, cutting other household spending or using up savings. (Kaiser Health News is an editorially independent program of the foundation.)

The federal Consumer Financial Protection Bureau proposed a rule last month to curb debt collectors’ ability to bug those with outstanding bills, and some states have tried various measures, such as limiting the interest rates collectors may charge. But until a comprehensive solution emerges, churches and others are trying to ease some of the load by jumping into the debt market.

A big part of RIP’s appeal comes from the impact even a small donation can have, say participating church leaders. When a person can’t pay a bill, that debt is often packaged with other people’s debt and sold to bill collectors for some fraction of the total amount of the bill. Those debts usually come from low-income people and are more difficult to collect.

RIP Medical Debt buys debt portfolios on this secondary market for pennies on the dollar with money from its donors. But instead of collecting the debt, RIP forgives it.

To be eligible for repayment from RIP, the debtor must be earning less than twice the federal poverty level (about $25,000 a year for an individual), have debts that are 5% or more of their annual income and have more debt than assets.

Because hospitals and doctors are eager to get those hard-to-collect debts off their books, they sell them cheap. That’s how, Patton said, those 18 churches have been able to abolish $34.4 million of debt since the start of 2018.

Working this way puts a high-dollar project within reach of even small churches. Revolution Annapolis, a nondenominational Maryland church with Sunday attendance of around 200 and without a permanent building, wiped out $1.9 million in debt for 900 families in March. Total amount raised: $15,000.

Revolution leaders heard about RIP Medical Debt

target=”_blank” rel=”noopener noreferrer”>on a segment of John Oliver’s “Last Week Tonight”

in 2016, said Kenny Camacho, lead pastor. But at the time, they didn’t think they had the resources to make much of a splash.

After hearing about another church that paid off millions last year, Revolution leaders decided to try it. At most, they hoped to have an impact in their area, Camacho said. But the money went much further, eventually covering 14 counties in eastern and central Maryland.

Emmanuel Memorial Episcopal Church, a congregation of about 175 families in Champaign, Ill., had a similar experience. The original idea was to try to have an impact just in Champaign County, said the Rev. Christine Hopkins. But their $15,000 abolished $4 million of debt for the entire diocese, which stretches across the southern half of the state.

“We were bowled over, actually,” Hopkins said. “It was to the point of tears.”

In many cases, churches have not had to do a fundraising campaign because their contribution came from money already on hand. Emmanuel Episcopal, for instance, had leftovers from a campaign set up a year ago to celebrate the centennial of its church building.

The Fincastle Baptist Church, with 1,600 members in the Roanoke, Va., area used money it had budgeted for an annual “Freedom Fest” event to honor first responders, and then partnered with local television station WSLS in a telethon to raise more. That effort abolished over $2.7 million in medical debt targeted at veterans.

The RIP nonprofit allows donors to choose geographic areas they want to reach and can pinpoint veterans as recipients. But beyond that, no restrictions are allowed, Patton said. A church can’t specify which types of medical procedures could be paid for or anything about the background of the recipients.

That didn’t bother church leaders contacted for this story. But it is a subject that’s been broached by donors of all types in the past, Patton said.

For instance, some potential donors have asked to exclude people from different faiths or certain political parties, he said. “It’s just absurd. This is not a revenge tactic,” Patton said. “People who are requesting those things really don’t understand philanthropy.”

Churches don’t necessarily experience a direct return in the way of new members. All the processing goes through RIP Medical Debt, which sends letters notifying the beneficiaries their debts have been forgiven. Donors can have their names listed on those letters, but not everyone opts to do so.

New membership wasn’t the point for Pathway Church in Kansas, Wren said. “Sometimes the more powerful spiritual message is when you’re able to do something for somebody that you’ll never meet.”

The Revolution Church decided against putting its name on the notification letters, Camacho said, because it didn’t want beneficiaries to feel obligated. “When a person has their debt forgiven, we want them to experience that as a kind of no-strings-attached gift,” he said. “We don’t want there to be any sense that because we did this now they should visit our church or something.”

Besides, he said, the gift covered an area large enough that some beneficiaries live a couple of hours away. “I would much rather them think more positively about the church down the street from where they live.”

Donors sometimes hear back from the people whose debts they’ve paid, but not often. Many don’t expect it. “I guess that’s a , too. Jesus forgave 10, and only one said thank you,” Hopkins said.

Churches have a lot of choices when it comes to charity, but medical debt and affordability issues often resonate with parishioners. Some churches are worried enough about medical costs for their members that they subscribe to cost-sharing nonprofits, in which members pay each other’s medical bills.

Medical mission work has long been an important form of outreach for Fincastle Baptist Church in Virginia, said associate pastor Warren King. The church runs a free clinic, and mission trips to other countries usually include a medical component.

Paying off medical debt is an extension of that line of thinking. “We need to do not just this thing but many things that practically show the love of God,” King said. “It’s hard to tell somebody God loves you if they’re starving and you don’t try to deal with the problem.”

Hopkins said the debt outreach was a satisfying project for her Illinois congregation because it could resolve a problem for the beneficiaries. “We do a lot of outreach that’s food-related and housing-related. This was something different,” Hopkins said. “You help feed somebody, and you’re feeding them again the next day. This was something that could make an impact.”

Â鶹ŮÓÅ Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at Â鶹ŮÓÅ—an independent source of health policy research, polling, and journalism. Learn more about .

This <a target="_blank" href="/health-care-costs/churches-wipe-out-millions-in-medical-debt-for-others/">article</a&gt; first appeared on <a target="_blank" href="">Â鶹ŮÓÅ Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150&quot; style="width:1em;height:1em;margin-left:10px;">

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954427
Roxie Hammill, Author at Â鶹ŮÓÅ Health News Â鶹ŮÓÅ Health News produces in-depth journalism on health issues and is a core operating program of Â鶹ŮÓÅ. Thu, 16 Apr 2026 02:02:02 +0000 en-US hourly 1 https://wordpress.org/?v=6.8.5 /wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=32 Roxie Hammill, Author at Â鶹ŮÓÅ Health News 32 32 161476233 Changing Clocks Is Bad For Your Health, But Which Time To Choose? /public-health/daylight-saving-time-debate-changing-clocks-is-bad-for-your-health-but-which-time-to-choose/ Fri, 14 Feb 2020 10:00:15 +0000 https://khn.org/?p=1044733 Changing over to daylight saving time — a major annoyance for many people — may be on its way out as lawmakers cite public health as a prime reason to ditch the twice-yearly clock-resetting ritual.

The time change, especially in the spring, has been blamed for increases in heart attacks and traffic accidents as people adjust to a temporary sleep deficit. But as legislatures across the country consider bills to end the clock shift, a big question looms ahead of this year’s March 8 change: Which is better, summer hours or standard time?

There are some strong opinions, it turns out. And they are split, with scientists and politicians at odds.

Retailers, chambers of commerce and recreational industries have historically wanted the sunny evenings that allow more time to shop and play.

Researchers on human biological rhythms come down squarely on the side of the standard, wintertime hours referred to as “God’s time” by angry farmers who objected to daylight saving time when it was first widely adopted during World War I.

What’s not in question is that the clock switching is unpopular. Some and falling back, according to a 2019 Associated Press-NORC Center for Public Affairs Research poll.

Politicians have reacted accordingly. More than 200 state bills have been filed since 2015 to either keep summer hours or go to permanent standard time, according to the National Conference of State Legislatures.

The measures getting the most traction right now are for permanent daylight saving time, which makes more sun available for after-work activities. In 2018, Florida passed a bill and California voters backed a ballot measure to do so. Maine, Delaware, Tennessee, Oregon and Washington joined in 2019, passing permanent daylight saving bills. President last March, tweeting: “Making Daylight Saving Time permanent is O.K. with me!”

But none of those efforts can become reality without the blessing of Congress. States have always been able to opt out of summer hours and adopt standard time permanently, as Arizona and Hawaii have done. But making daylight saving time year-round is another story.

Still, Scott Yates, whose website has become a resource for lawmakers pushing for change, believes this year will be another big year. Yates is particularly encouraged by the attitude he saw from state legislators in August when he presented on the issue at the legislators’ annual national summit in Nashville, Tennessee.

“I wasn’t the court jester and it wasn’t entertainment,” he said. “It was like, ‘What are the practical ways we can get this thing passed?’”

Seeking To End ‘Spring Ahead, Fall Back’ Cycle

Yates, 54, a tech startup CEO based in Denver, has been promoting an end to clock switching for six years. He doesn’t pick a side. It’s the switching itself that he wants to end. At first, it was just about the grogginess and annoyance of being off schedule, he said. But then he began to see scientific studies that showed the changes were doing actual harm.

A German study of autopsies from 2006 to 2015, for instance, showed a significant uptick just after the spring switch in deaths caused by cardiac disease, traffic accidents and suicides. Researchers have also noted a significant increased risk for heart attacks and strokes.

Three measures pending in Congress would allow states to make daylight saving time permanent. But, in the meantime, state lawmakers who want the extra evening sunlight are preparing resolutions and bills, some of which would be triggered by congressional approval and the adoption of daylight time in surrounding states.

The Illinois Senate passed such a bill, and Kansas is considering one after a bill to end daylight saving time died there last year. Utah passed a resolution in support of the congressional bill last year, and state Rep. , a Republican family physician from Bountiful, is steering a recently passed state Senate permanent daylight bill through the House.

“The human clock was not built to jump back and forth. That’s why we get jet lag,” said Ward, who was a co-presenter with Yates at the NCSL summit. “It is very easy to show that if you knock people off an hour of sleep there’s a bump temporarily in bad things that will happen.”

Efforts have been particularly strong in California, where 60% of voters passed a ballot issue for permanent daylight time in 2018. A bill is pending in the state Assembly.

Science Backs Sticking With Standard Time

All of this alarms scientists who study human biological rhythms.

Researchers in the U.S. and the European Union have taken strong positions about permanent summer hours. The posts its opposition prominently at the top of its website.

Messing with the body’s relationship to the sun can negatively affect not only sleep but also cardiac function, weight and cancer risk, the society’s members wrote. According to one often-quoted study on different health outcomes within the same time zones, each 20 minutes of later sunrise corresponded to an increase in certain cancers by 4% to 12%.

“Believe it or not, having light in the morning actually not only makes you feel more alert but helps you go to bed at the right time at night,” said Dr. , director of the sleep division of Vanderbilt University School of Medicine. Malow has seen a lot of anecdotal evidence to back that up at the sleep clinic. Parents report their children with autism have a particularly hard time adjusting to the time change, she said.

Jay Pea, a freelance software engineer in San Francisco, was unhappy enough about California’s proposed permanent daylight time that he started the website to promote the health arguments for keeping it permanent. He said he doesn’t think the scientific community is being heard.

“Essentially it’s like science denial,” he said. “It’s bizarre to me that politicians are not hearing the experts on this.”

Pea, 41 and an amateur astronomer, understands the human need to have the sun directly overhead at noon. “It’s a wonderful connection to natural reality that unfortunately is lost on many people,” he said. Daylight saving time “distances us from the natural world.”

At the very least, lawmakers ought to consider history, he said. Daylight saving time was originally a plan to save energy during the two world wars but wasn’t popular enough to be uniformly embraced after the conflicts were over. In 1974, the federal government decided to make it temporarily year-round as a way to deal with the energy crisis (although energy savings were later found to be underwhelming).

Its popularity fell off a cliff after the first winter, when people discovered the sun didn’t rise until 8 a.m. or later and parents worried for the safety of kids waiting in the dark for school buses.

Pea finds it frustrating that the momentum now is for permanent summer hours — a fact he attributes to the emotional attachment with summer. “It’s a shame that every generation we have to revisit this issue,” he said.

The AP-NORC poll found 40% of its respondents support permanent standard time, with 31% opting for permanent daylight saving time.

Ward said people have gotten comfortable with daylight saving time since its duration has been lengthened to eight months by extensions in 1986 and 2007. (Before 1986, daylight saving time lasted six months.)

“So now really most of the year we are on the summer schedule, and people are used to that and they like it,” he said. “That makes them more aggrieved when we change back to the winter schedule.”

In any case, changing the clocks is a rare issue in that it isn’t partisan, Ward said. “If the government can’t respond to people when they want something and it’s not even a partisan issue, that’s just a sad commentary,” he said. “Can’t we please fix something that doesn’t make sense anymore?”

Â鶹ŮÓÅ Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at Â鶹ŮÓÅ—an independent source of health policy research, polling, and journalism. Learn more about .

This <a target="_blank" href="/public-health/daylight-saving-time-debate-changing-clocks-is-bad-for-your-health-but-which-time-to-choose/">article</a&gt; first appeared on <a target="_blank" href="">Â鶹ŮÓÅ Health News</a> and is republished here under a <a target="_blank" href=" Commons Attribution-NonCommercial-NoDerivatives 4.0 International License</a>.<img src="/wp-content/uploads/sites/8/2023/04/kffhealthnews-icon.png?w=150&quot; style="width:1em;height:1em;margin-left:10px;">

<img id="republication-tracker-tool-source" src="/?republication-pixel=true&post=1044733&amp;ga4=G-J74WWTKFM0&quot; style="width:1px;height:1px;">]]>
1044733
Churches Wipe Out Millions In Medical Debt For Others /health-care-costs/churches-wipe-out-millions-in-medical-debt-for-others/ Mon, 03 Jun 2019 09:00:23 +0000 https://khn.org/?p=954427 The leaders of Pathway Church on the outskirts of Wichita, Kan., had no clue that the $22,000 they already had on hand for Easter would have such impact.

The nondenominational suburban congregation of about 3,800 had set out only to help people nearby pay off some medical debt, recalled Larry Wren, Pathway’s executive pastor. After all, the core membership at Pathway’s three sites consists of middle-income families with school-age kids, not high-dollar philanthropists.

But then they learned that, like a , that smaller amount could wipe out $2.2 million in debt not only for the Wichita area but all available debt for every Kansan facing imminent insolvency because of medical expenses they couldn’t afford to pay — 1,600 people in all.

As Wren thought about the message of Easter, things clicked. “Being able to do this provides an opportunity to illustrate what it means to have a debt paid that they could never pay themselves,” he said. “It just was a great fit.”

Churches in Maryland, Illinois, Virginia, Texas and elsewhere have been reaching the same conclusion. RIP Medical Debt, a nonprofit organization based in Rye, N.Y., that arranges such debt payoffs, reports a recent surge in participation from primarily Christian places of worship. Eighteen have worked with RIP in the past year and a half, said Scott Patton, the nonprofit’s director of development. More churches are joining in as word spreads.

The mountain of bills they are trying to clear is high. Medical debt contributes to , according to the American Journal of Public Health. And a 2018 Kaiser Family Foundation/New York Times poll showed that of the 26% of people who reported problems paying medical bills, 59% reported a major life impact, such as taking an extra job, cutting other household spending or using up savings. (Kaiser Health News is an editorially independent program of the foundation.)

The federal Consumer Financial Protection Bureau proposed a rule last month to curb debt collectors’ ability to bug those with outstanding bills, and some states have tried various measures, such as limiting the interest rates collectors may charge. But until a comprehensive solution emerges, churches and others are trying to ease some of the load by jumping into the debt market.

A big part of RIP’s appeal comes from the impact even a small donation can have, say participating church leaders. When a person can’t pay a bill, that debt is often packaged with other people’s debt and sold to bill collectors for some fraction of the total amount of the bill. Those debts usually come from low-income people and are more difficult to collect.

RIP Medical Debt buys debt portfolios on this secondary market for pennies on the dollar with money from its donors. But instead of collecting the debt, RIP forgives it.

To be eligible for repayment from RIP, the debtor must be earning less than twice the federal poverty level (about $25,000 a year for an individual), have debts that are 5% or more of their annual income and have more debt than assets.

Because hospitals and doctors are eager to get those hard-to-collect debts off their books, they sell them cheap. That’s how, Patton said, those 18 churches have been able to abolish $34.4 million of debt since the start of 2018.

Working this way puts a high-dollar project within reach of even small churches. Revolution Annapolis, a nondenominational Maryland church with Sunday attendance of around 200 and without a permanent building, wiped out $1.9 million in debt for 900 families in March. Total amount raised: $15,000.

Revolution leaders heard about RIP Medical Debt

target=”_blank” rel=”noopener noreferrer”>on a segment of John Oliver’s “Last Week Tonight”

in 2016, said Kenny Camacho, lead pastor. But at the time, they didn’t think they had the resources to make much of a splash.

After hearing about another church that paid off millions last year, Revolution leaders decided to try it. At most, they hoped to have an impact in their area, Camacho said. But the money went much further, eventually covering 14 counties in eastern and central Maryland.

Emmanuel Memorial Episcopal Church, a congregation of about 175 families in Champaign, Ill., had a similar experience. The original idea was to try to have an impact just in Champaign County, said the Rev. Christine Hopkins. But their $15,000 abolished $4 million of debt for the entire diocese, which stretches across the southern half of the state.

“We were bowled over, actually,” Hopkins said. “It was to the point of tears.”

In many cases, churches have not had to do a fundraising campaign because their contribution came from money already on hand. Emmanuel Episcopal, for instance, had leftovers from a campaign set up a year ago to celebrate the centennial of its church building.

The Fincastle Baptist Church, with 1,600 members in the Roanoke, Va., area used money it had budgeted for an annual “Freedom Fest” event to honor first responders, and then partnered with local television station WSLS in a telethon to raise more. That effort abolished over $2.7 million in medical debt targeted at veterans.

The RIP nonprofit allows donors to choose geographic areas they want to reach and can pinpoint veterans as recipients. But beyond that, no restrictions are allowed, Patton said. A church can’t specify which types of medical procedures could be paid for or anything about the background of the recipients.

That didn’t bother church leaders contacted for this story. But it is a subject that’s been broached by donors of all types in the past, Patton said.

For instance, some potential donors have asked to exclude people from different faiths or certain political parties, he said. “It’s just absurd. This is not a revenge tactic,” Patton said. “People who are requesting those things really don’t understand philanthropy.”

Churches don’t necessarily experience a direct return in the way of new members. All the processing goes through RIP Medical Debt, which sends letters notifying the beneficiaries their debts have been forgiven. Donors can have their names listed on those letters, but not everyone opts to do so.

New membership wasn’t the point for Pathway Church in Kansas, Wren said. “Sometimes the more powerful spiritual message is when you’re able to do something for somebody that you’ll never meet.”

The Revolution Church decided against putting its name on the notification letters, Camacho said, because it didn’t want beneficiaries to feel obligated. “When a person has their debt forgiven, we want them to experience that as a kind of no-strings-attached gift,” he said. “We don’t want there to be any sense that because we did this now they should visit our church or something.”

Besides, he said, the gift covered an area large enough that some beneficiaries live a couple of hours away. “I would much rather them think more positively about the church down the street from where they live.”

Donors sometimes hear back from the people whose debts they’ve paid, but not often. Many don’t expect it. “I guess that’s a , too. Jesus forgave 10, and only one said thank you,” Hopkins said.

Churches have a lot of choices when it comes to charity, but medical debt and affordability issues often resonate with parishioners. Some churches are worried enough about medical costs for their members that they subscribe to cost-sharing nonprofits, in which members pay each other’s medical bills.

Medical mission work has long been an important form of outreach for Fincastle Baptist Church in Virginia, said associate pastor Warren King. The church runs a free clinic, and mission trips to other countries usually include a medical component.

Paying off medical debt is an extension of that line of thinking. “We need to do not just this thing but many things that practically show the love of God,” King said. “It’s hard to tell somebody God loves you if they’re starving and you don’t try to deal with the problem.”

Hopkins said the debt outreach was a satisfying project for her Illinois congregation because it could resolve a problem for the beneficiaries. “We do a lot of outreach that’s food-related and housing-related. This was something different,” Hopkins said. “You help feed somebody, and you’re feeding them again the next day. This was something that could make an impact.”

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