Yes, you certainly can negotiate. First though, if your income is low, a financial program called the "Hill-Burton" Act may help. The hospital will know of this. Years ago, two men with the last names of Hill and Burton created a bill which passed. This assists people with medical expenses, unable to pay them. Please remember, it is only for people of limited financial means. If you do not qualify for this, find out what is the LEAST amount they will accept on a weekly, monthly basis and either make arrangements to pay this way OR ask if they will negotiate for a lower cost IF you can pay in cash, all at once. Most hospitals do not want to work with piddly payments so they may negotiate. IF they don't, then by making the least amount, you are honoring your obligation, thus not hurting your credit history. The hospital would much rather work with you than have to pay 50% to a collection agency. The easier you make it to work with them, the easier it will be.