If your health insurance contract discusses the issue of subrogation, then yes, you might have to pay them back for the services they covered after your accident. However, it is always best to consult with your attorney, or seek the advice of a Fort Worth personal injury lawyer if you are worried about subrogation in your accident claim. Lawyers like those at the Anderson Law Firm can help you decipher the fine print of your health insurance contract and can negotiate with the insurance company so that even if you have to pay subrogation, you will still be fairly compensated.