St. David's HealthCare Financial Assistance: Income Limits and How to Apply (2026)

St. David's HealthCare offers 100% free care to patients with household income at or below 200% of the Federal Poverty Level (about $66,000 a year for a family of four) and discounted care up to 400% FPL. Here is who qualifies, what you need, and how to apply.

Updated June 2026

St. David's HealthCare Income Limits for Free Care

Your eligibility is based on household income as a percentage of the Federal Poverty Level. Free care applies at or below 200% FPL; discounted care applies up to 400% FPL.

Household size	Free care if income is at or below (200% FPL)	Discounted care up to (400% FPL)
1 person	$31,920	$63,840
2 people	$43,280	$86,560
3 people	$54,640	$109,280
4 people	$66,000	$132,000
5 people	$77,360	$154,720
6 people	$88,720	$177,440

Income figures use 2026 Federal Poverty Level guidelines and are rounded. Actual eligibility depends on the hospital's review of your application.

What St. David's HealthCare Offers

Free care

100% of the bill at or below 200% FPL. 100% charity care at or below 200% FPL, with additional discounts of 40-90% above that.

Discounted care

Up to 400% FPL, as a sliding-scale discount.

Uninsured discount

an automatic discount of about 92% off billed charges for self-pay patients (HCA uninsured discount, no application required).

Hardship / catastrophic

Expanded charity care for 200-400% FPL caps out-of-pocket liability at about 4% of annual household income.

How to Apply for St. David's HealthCare Financial Assistance

1
Request an itemized bill
Ask for a fully itemized bill so you can confirm every charge before you apply or pay.
2
Gather your documents
Collect proof of income, proof of household size, government-issued photo id.
3
Submit the St. David's HealthCare application
Financial assistance application plus income proof (W-2, pay stubs, tax return, or proof of Medicaid/SNAP/SSI); financial counseling 800-980-5794. HCA does not sue patients or report to credit bureaus.
4
Ask for a billing hold
Request a hold on collections activity while your application is reviewed, so the account does not advance.
5
Get the decision in writing
Keep the approval or denial in writing. You generally have about 240 days from your billing date to apply. If you are denied, you can appeal or request an interest-free payment plan.

What you will need

Proof of income (recent pay stubs, tax return, or benefit award letters)
Proof of household size (tax return listing dependents, or similar)
Government-issued photo ID

Deadline: about 240 days from billing.

Residency: none stated.

Citizenship: not required.

Before you pay, know this

Applying for financial assistance does not affect your credit.
Many hospitals grant presumptive eligibility if you already receive Medicaid, SNAP, or similar programs, which can speed approval.
You can often apply even after a bill goes to collections, and assistance is frequently applied retroactively. Do not assume it is too late.
If you are denied, you can appeal or ask for an interest-free payment plan.

Not sure you qualify? You may still be able to save.

Charity care is only one way to lower a hospital bill. CareRoute Bill Defense works every angle on your St. David's HealthCare bill: billing errors, insurance underpayments and denied claims, financial assistance, and direct negotiation with the hospital. So even if you do not qualify for free care, there is often money to save. You pay nothing upfront and only a fraction of what we save you (capped at $1,000). If we cannot lower your bill, you owe nothing.

Get help with your bill

Texas also has medical-bill protections that may help beyond St. David's HealthCare's own program, such as limits on collections, credit reporting, and wage garnishment.

See all Texas medical bill rights

Frequently Asked Questions

Does St. David's HealthCare offer financial assistance or charity care?

Yes. St. David's HealthCare provides 100% free care to patients with household income at or below 200% of the Federal Poverty Level, plus discounted care up to 400% FPL (a sliding-scale discount). Uninsured patients also receive an automatic discount of about 92% off billed charges for self-pay patients (HCA uninsured discount, no application required).

What is the income limit for free care at St. David's HealthCare?

Free care is available at or below 200% FPL. For a family of four in 2026 that is about $66,000 per year. See the income table above for other household sizes. Income above that may still qualify for discounted care up to 400% FPL.

How do I apply for St. David's HealthCare financial assistance?

Request an itemized bill, gather your income documents and a photo ID, then submit the hospital's financial assistance application. Financial assistance application plus income proof (W-2, pay stubs, tax return, or proof of Medicaid/SNAP/SSI); financial counseling 800-980-5794. HCA does not sue patients or report to credit bureaus. You generally have about 240 days from your billing date to apply.

Can insured patients qualify for financial assistance at St. David's HealthCare?

Yes. The balance left after your insurance pays can still qualify for charity care or a discount if you meet the income limits above. Some states and hospitals also ask insured patients to show high out-of-pocket costs, so confirm the exact rule with St. David's HealthCare.

Does St. David's HealthCare help uninsured patients?

Yes. Uninsured patients can apply for charity care, and St. David's HealthCare also offers an automatic discount of about 92% off billed charges for self-pay patients (HCA uninsured discount, no application required). Uninsured patients often have the most to gain, since the full charge is on the table.

What if my bill is unaffordable even above the income limit?

St. David's HealthCare has a hardship provision. Expanded charity care for 200-400% FPL caps out-of-pocket liability at about 4% of annual household income. It is worth applying even if your income is above the free-care line.

Can I apply for St. David's HealthCare financial assistance if my bill is already in collections?

You can usually still apply even after a bill goes to collections, and hospitals often apply approved assistance retroactively to recent accounts. Applying can also pause collection activity while the hospital reviews your case, so apply within about 240 days of your billing date.

Will applying for financial assistance affect my credit?

No. Applying for hospital financial assistance is not a credit check and does not affect your credit score. Getting a bill reduced or covered actually helps you avoid the collections and credit damage that come from an unpaid balance.

Does St. David's HealthCare require US citizenship or residency?

No. St. David's HealthCare does not require US citizenship, and immigration status does not bar eligibility.

Can CareRoute help with a St. David's HealthCare bill?

Yes. CareRoute Bill Defense looks at every way to lower your bill, not just charity care: billing errors, insurance underpayments and denied claims, financial assistance, and direct negotiation. You pay nothing upfront and only a fraction of what we save you (capped at $1,000), with no fee at all if we cannot reduce your bill.

Sources and verification. Last verified June 2026, based on St. David's HealthCare's published financial assistance policy (official policy). How we research these guides.

Eligibility details may change. This page is informational and not financial or legal advice. Confirm current terms with St. David's HealthCare's financial assistance office before applying.