Definitions

(a) In general Section 101 of title 11, United States Code, is amended by inserting after paragraph (39A) the following: (39B) The term medical debt means any debt incurred voluntarily or involuntarily— (A) as a result of the diagnosis, cure, mitigation, or treatment of injury, deformity, or disease of an individual; or (B) for services performed by a medical professional for the prevention of disease or illness in an individual. (39C) The term medically distressed debtor means— (A) a debtor who, during the 3-year period preceding the date of the filing of the petition— (i) incurred or paid aggregate medical debt for the debtor, a dependent of the debtor, or a nondependent parent, grandparent, sibling, child, grandchild, or spouse of the debtor that was not paid by any third-party payor and was greater than the lesser of— (I) 10 percent of the adjusted gross income (as such term is defined in section 62 of the Internal Revenue Code of 1986) of the debtor; or (II) $10,000; (ii) did not receive domestic support obligations, or had a spouse or dependent who did not receive domestic support obligations, of at least $10,000 due to a medical issue of the individual obligated to pay that would cause the obligor to meet the requirements under clause (i) or (iii), if the obligor was a debtor in a case under this title; or (iii) experienced a change in employment status that resulted in a reduction in wages, salaries, commissions, or work hours or resulted in unemployment due to— (I) an injury, deformity, or disease of the debtor; (II) care for an injured, deformed, or ill dependent or nondependent parent, grandparent, sibling, child, grandchild, or spouse of the debtor; or (III) a national emergency declared by the President under the National Emergencies Act (50 U.S.C. 1601 et seq.) or another emergency declared by a Federal, State, or local official relating to a public health crisis; or (B) a debtor who is the spouse of a debtor described in subparagraph (A).. (b) Conforming amendments Section 104 of title 11, United States Code, is amended— (1) in subsection (a), in the matter preceding paragraph (1), by inserting 101(39C)(A), after 101(19A),; and (2) in subsection (b), by inserting 101(39C)(A), after 101(19A),.