THE AFFORDABLE CARE ACT
The Affordable Care Act (ACA) has made health insurance more affordable through premium tax credits, allowing millions of Americans to maintain coverage. But as policymakers debate reducing or ending these subsidies, the healthcare industry could face serious challenges.
If ACA credits end, millions may lose insurance, leaving hospitals and clinics to absorb rising uncompensated care costs. Community and rural providers, many already operating on thin margins, could experience staff cuts and reduced services. Furthermore, patients may delay necessary care until conditions worsen, inevitably increasing emergency visits and overall healthcare costs.
National Business Factors, Inc. and The NBF Group are dedicated to helping you reduce the financial strain caused by unpaid medical bills. Our compassionate, compliant third-party collection and first-party representation services are designed to recover revenue while preserving patient trust and community goodwill. By improving cash flow and minimizing bad debt, NBF supports providers so they can continue delivering quality care.
Holiday Closure Announcement
National Business Factors, Inc. and The NBF Group will be closed on Tuesday, November 11, 2025, in observance of Veterans Day, and on Thursday and Friday, November 27–28, 2025, in celebration of Thanksgiving and Family Day. We extend our gratitude to all who have served our country and wish everyone a safe and enjoyable holiday season.
*The new system’s launch has been delayed from October, and the revised go-live date is yet to be announced. *
Thank you,
Liesl Barkley and Management Teams
© 2025 The NBF Group Inc.