Just incidentally, I'm one of those people who got bankrupted by health costs while insured. Happened as a result of the severe pneumonia I had years ago, which put me in Burbank Hospital for a week. The condition essentially put me out of work for quite some time (and on disability), and the insurance deductible was $5,000 -- the actual total for the stay was closer to $30,000.

This also left me with a pre-existing condition, as it brought back my asthma full tilt. That got expensive too.