Hospitals now charge patients on a sliding scale, based on the level of the player (your player level is determined by your highest character’s highest skill level). For lower levels, this means the hospital is actually affordable. For higher levels, well, it means you have to spend a little more of that gold surplus you’re sitting on to use the hospital.
Medical Kits have been introduced into the world of Hopitan. You might occasionally find one at a Vendor (such as the Hopitan Tourism Committee’s office), and you might find one among your foes once in a while. The chances of finding a kit among your defeated foes is greater if the enemies are appropriate for your level (so you higher levels, don’t expect to start farming medkits from gladiators).