Medical debt is a significant issue impacting Americans, especially those with chronic conditions like diabetes, heart disease, and cancer. The Medical Debt Cancellation Act aims to alleviate this financial burden, offering temporary relief for those struggling with health care costs. Concerns about the long-term effectiveness and taxpayer burden still linger, prompting the need for sustainable solutions. Evaluating and enhancing medical debt cancellation solutions is crucial, focusing on fair pricing, rate negotiations, and billing transparency to prevent persistent debt. Reference-based pricing can help limit excessive charges and out-of-pocket expenses. Third-party administrators play a key role in ensuring accuracy and fairness in medical billing. Empowering employees and legal protection are essential in navigating complex health care regulations and educating individuals about their rights. Tools like health savings accounts and flexible spending accounts can help prepare for unexpected costs. Financial preparedness and cost transparency are vital in promoting resilience against health care expenses. Sustainable health care requires a comprehensive, collaborative effort involving plan administrators, insurers, and cost management companies to reduce unnecessary expenses. The future of medical debt cancellation lies in a multifaceted approach combining immediate relief with long-term solutions focused on coverage, transparency, and financial preparedness. By empowering employees through education and legal protection and promoting wellness programs, plan sponsors can create a more equitable and sustainable health care system for all.