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No. If he isn't a co-owner of the credit card accounts and hasn't signed anything with the hospital guaranteeing the debt will be paid, then he is not legally liable for your debts. If you were to pass, only your estate is liable to pay your debts.
And the life insurance is not part of your estate and goes directly to the named beneficiary outside probate.
So if you pass and don't have any assets in your estate, the creditors just don't get paid and have to write it off.