A few months ago I went to the emergency room for "chest pains". I did that because in 2009 I had heart surgery, which ran about $130,000, so naturally chest pains might be a serious problem for me.
12 hours in the emergency room was over $16,000.00. Tests of various kinds were conducted, but no invasive procedures were performed. The diagnosis was "inflation of chest muscles and connective tissue" around ribs and the breast bone located over the heart area. Why did that happen? Nobody knows. I didn't do any activities that might have led to that occurring.
$16,000.00 is a chunk of buckitos for most folks. And especially a person who doesn't have insurances to at least pay for 80 percent...or hell...even 50 percent. But if I didn't have insurance there's a good chance no company would insure me now...well, under the system where insurance companies considered me a high risk.
I'm lucky to have a superior insurance with no current threat that would force me to relinquish it. Or surrender it for an exchange insurance. Not yet. But who knows? Anything is possible now days.