i've seen the movie "sicko"
what happen if you have a brain tumor or cancer and your health insurance doesn't want to pay you??

you try to negotiate the bill then you sell your house and other assets to pay it

Or in some cases, as I have been to many, you have a benefit dinner, or have someone have a benefit dinner for you. Actually, have a few benefit dinners. This might help shave off a fraction of those high medical bills.