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The Patient Is Now the Largest Payer — And the System Isn’t Built for It
The U.S. healthcare system is undergoing a fundamental financial shift—one that many organizations still haven’t fully operationalized: The patient is now the fastest-growing and often most unpredictable payer in the system. This isn’t a temporary trend. It’s a structural change. Over the last decade, insurers have steadily shifted financial responsibility to patients through high-deductible health…
New Era of Efficiency in Healthcare Billing:The Evolution of Patient-Focused Billing
In the demanding sphere of healthcare, tackling billing complexities can be a daunting task. The burdens of manual invoicing, tracking down overdue payments, and administrative overload can be overwhelming. Enter Doorstep™ by ClearBalance®: an innovative, patient-centric mobile billing interface designed to uncomplicate the billing process, empower patients and boost provider collections.
The Synergy of Digital Payment Platforms and Patient Financing
Technology platforms have dramatically transformed healthcare financial operations and patient financing engagement, offering streamlined billing processes and simplified short-term payment solutions. Health systems, through…
Doorstep by ClearBalance: Introducing a New Era of Efficiency in Healthcare Billing: the Evolution of Patient-Focused Billing
In the demanding sphere of healthcare, tackling billing complexities can be a daunting task. The burdens of manual invoicing…
Bridging Financial Gaps in Healthcare: The Synergy of Digital Payment Platforms and Patient Financing
Technology platforms have dramatically transformed healthcare financial operations and patient financial engagement, offering streamlined billing processes and simplified short-term payment solutions. Health systems, through their native EHR platform or through an integrated third-party solution, have embraced the use of digital payment platforms. However, health systems have discovered that their independent use has obscured the complex…
Hospitals Didn’t Intend to Build a Credit Decisioning Framework. Their Revenue Cycle May Have Anyway.
The CFPB’s amended Regulation B should prompt hospitals to inventory the credit decisions already embedded throughout their patient payment workflows. By Ray Freedenberg, CEO, ClearBalance Healthcare For years, hospitals have viewed patient payment plans as billing accommodations rather than consumer credit. Yet every time a hospital determines whether a patient receives a payment plan, how…
What the CFPB’s Regulation B Amendment Means for Healthcare Providers
On April 22, 2026, the Consumer Financial Protection Bureau (CFPB) issued amendments to Regulation B, which will take effect on July 21, 2026. These changes clarify the requirements of fair lending law. The 2026 amendment addresses three key areas: it narrows the scope of disparate-impact liability under the Equal Credit Opportunity Act (ECOA), provides guidance…
Affordability Is Now Regulated Infrastructure
Affordability in healthcare is rapidly shifting from policy to enforceable regulation, with multiple states implementing new laws that reshape billing, payment, and collections practices. This infographic highlights key legislative changes, including expanded income-based protections, mandatory payment caps, and stricter compliance requirements for health systems. It also outlines the growing operational and financial risks tied to…
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