Final answer:
The investor is using dividend income to pay for hospital bills, opting not to sell stocks but rather to access cash without liquidating investment assets.
Step-by-step explanation:
An investor who needs cash to pay hospital bills and chooses to use his dividend income but does not want to sell any stock is engaging in income realization without liquidating assets.
This means they're relying on the income generated from their investments, specifically the dividends, instead of selling their investment assets for capital gains.
This approach allows the investor to maintain their investment portfolio while accessing the cash needed for expenses.