Even with a good health insurance plan, there are still copay and deductable to consider when you have a major illness that requires hospitalization. This can add up to $1K-$4K per year of treatment depending on how good a plan you have. Then you have all the time and money incurred by your family is getting you better. Time off from work, traveling to visit you, staying with you.

If you are lucky you have a good insurance plan and your employer provides disability insurance that covers your lost salary which recovering.