Half of the bankruptcies in this country are now due to medical bills because even people who have insurance, might be unable to pay the high deductibles. At a click of a button Earnin is able to provide patients a payment plan, and sometimes a lower bill and/or some financial aid.

Editor's note: If you'd like to read more about how medical bills can wreck a life, take a look at this episode: To get paid, hospitals get creative.