AZ SB1796

Expands homestead exemption to protect unlimited equity in primary residence from medical debt collection, while maintaining $150,000 limit for other debts.

Increases personal property exemptions for medical debt collection: household goods to $15,000 (from $6,000), motor vehicle equity to $15,000 (from $6,000), and cash savings to $3,000 (from $300).

Reduces wage garnishment for medical debt to 10% of disposable earnings (compared to 25% for other debts).

Requires large health care facilities to adopt written financial assistance policies offering free care to patients earning up to 200% of federal poverty line and discounted care up to 400% of federal poverty line.

Establishes one-year reporting hold on medical debt credit reporting and requires medical creditors to provide additional notice before reporting to consumer reporting agencies.