New Zealand Law
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You can negotiate with the hospital, but they dont have to agree to accept less than what they are owed. They may choose to come to a settlement if you explain you dont have any money, and set out what you own and what your income is. Unfortunately this is hospital policy and others have been caught like this also. Hopefully they will accept something sensible if they see you dont have the assets and income to pay
They cannot make your husband pay your debt. If all you have is a car of modest value, then you should tell the hospital that they can ask for payment but you just dont have the money and if pressed you would become bankrupt.
They could do this, and if they push to look at your assets you would need to disclose this. There is a process whereby they would need to get a court judgment for the money and then the court can examine you as to your assets
You can start by talking directly with them, but if they try to bully you or even sue you in court then you would need to get some support from a lawyer
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