If you go to the emergency room without insurance, you might not be getting charged at the correct rate in accordance with federal law.

Did you know hospitals are required to bill uninsured patients at no higher a rate than a person who has insurance? That's a new provision in the Affordable Care Act, also known as Obamacare, which is an obscure thing not many know.

The tradeoff for hospitals in doing this is that they're saving millions in taxes through their non-profit status. But the problem is, too many hospitals are ignoring the provision, according to The Arizona Republic.

So if you're uninsured, you must ask if you're being billed at an equivalent rate of somebody who has insurance. That is your right under the law. If you discover you're not being billed properly, have the hospital recalculate the bill the right way.

Image of Clark Howard About the author: Clark Howard

Clark Howard is a consumer expert whose goal is to help you keep more of the money you make. His national radio show and website show you ways to save more, spend less and avoid getting ripped off. View More Articles

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