I live in Europe, and honestly, medical bills are not a concern. My sister had terminal cancer and through the entire horrible process, the medical bills were zero. That's not because she had health insurance either. It just didn't cost anything, apart from a few doctor visits (which we pay for). Once she was assigned a specialist at the hospital, everything from that point was free, including multiple hospital stays, an ambulance trip, drugs, multiple life-saving procedures (collapsed lung, blood clots, all the stuff that happens near the end with terminal cancer). It's completely unfair that anyone would be bankrupted over illness, and that's the reason I would never move to the US.