I've not heard of any hospital taking a person's house to pay a medical bill. Typically it goes into collections and on your credit report. Now a lowered credit score will affect the ability to get loans, possibly needed to effect repairs on a home, but that is a bit more of a stretch. And if it goes to court then wages can be garnished, affecting your ability to pay a mortgage -- but I believe that garnished wages are limited.
Oh, and if you pay almost any amount on a monthly basis towards a medical bill, then that can keep it out of collections too.
> I've not heard of any hospital taking a person's house to pay a medical bill.
Nor I. That might actually be an improvement. What we have instead is people dying because they couldn't afford lifesaving treatment in the first place, and banks taking other people's houses for no reason at all.
Oh, and if you pay almost any amount on a monthly basis towards a medical bill, then that can keep it out of collections too.