Increasing healthcare costs are posing a significant financial risk to families in Indonesia. Unexpected and substantial medical expenses can deplete savings and disrupt financial stability. This situation highlights the need for financial protection against medical bills. The rising costs place a strain on household budgets, potentially forcing families to make difficult choices between healthcare and other essential needs. Experts emphasize the importance of financial planning and insurance to mitigate these risks. Access to affordable healthcare and robust financial safety nets are crucial for protecting Indonesian families from the burden of medical debt.