I have insurance and went bankrupt from medical bills. If you have any sort of retirement or investments, or possessions, you don't qualify for hospital charity or medicaid or any assistance, leaving you on the hook for huge bills.
My insurance has chipped away at the policy each year to the point I'm responsible for tons of co-pays that amount to thousands per year, as well as 20% of surgeries/procedures.
I'm 29 and was completely healthy until I got the worst pain in my face 1.5 years ago.
I had a craniectomy last week and it's been a nightmare financially, with health insurance: If I default on my mortgage and somehow cash in my Roth IRA I'd be on medicaid and pay nothing, so you may be better off depending on your assets. Liquidate anything you have of value and hide it if you develop a medical condition.