It’s also about predictability: medical bankruptcy is an American phenomenon. The average cost isn’t what worries people, it’s the possibility of having coverage denied, being hit with “out of network” charges like an ambulance taking you to the closest hospital or a specialist showing up at an in-network one, or having your health decline rapidly while you need to get a lawyer to convince your health insurer to pay for treatment your doctor considers necessary. It’s especially about what happens if your health declines to where you cannot work and lose all of the treatment that you’ve setup so far.