It’s not as huge as some people think. All 3 credit bureaus stopped reporting unpaid medical debt with an initial balance under $500 as of July 1, 2022, which is 70% of medical debt (when you have $15,000 of debt that’s usually split 50 ways).
They also no longer report medical debt that has been paid - even if it is late. Additionally, debt collectors now have to wait a year to report you, giving you time to negotiate a more reasonable rate or have the debt discharged.
That’s not to say this isn’t good, but things have been improving massively on this front for the past few years. Reality is that with so much bullshit medical debt, the bureaus are going to have to either ignore it or nobody will be able to get a loan, which is worse for the banks than loaning out money to someone who had an unexpected 6-figure bill because their insurance sucks.