I carry health insurance on myself and my daughters through my employer. I am the subscriber. Any medical cost sharing obligations as a result of care received by me or my daughters is billed to me as the subscriber. I then contact my payroll department and they set up a payroll deduction to pay any outstanding deductibles, coinsurances or copays. My employer is a large hospital who employs the physicians that my daughters and I receive care from. My ex-husband has not been on my health insurance policy since our divorce 3 years ago. He is currently applying for a student loan and allegedly has been declined. He is telling everyone that I ruined his credit due to some unpaid medical bills on the children. I don't think that's possible if he isn't even on the policy. And also, can unpaid medical bills effect your credit rating? We live in pennsylvania.