Fewer American families are having problems paying medical bills, according to a study released Tuesday by the National Center for Health Statistics. Still, nearly a fifth off families still struggle with that financial responsibility. The report found that 20.3 percent of families headed by someone under the age of 65 — 54.2 million people — had difficulty covering medical expenses in the first half of 2012, compared with 21.7 percent of families — or 57.8 million people – in the same period in 2011. The federal agency didn't offer an explanation for its finding