I think what you're saying has merit.
No data from me, only a personal anecdote.
I avoided the ER during a severe illness comprising intense bloating, severe pain, and constant vomiting for about five days roughly a month ago.
I ended up in the hospital for about eight days and was discharged just over a week ago. Turns out I'd suffered a severe acute necrotizing pancreatitis attack and just "battled through" with gatorade, water (when I could keep fluids down) and sleep. I even worked from home in between falling over on the couch!
I just really didn't want to visit the hospital. Figured it was a bad stomach bug or bad take out.
No—it turns out I was lucky to avoid the ICU and am going to be dealing with it for the next 6-12 months, if not permanently. I lost about 30 lbs in a couple of weeks because I couldn't really eat.
Even now I'm doing what I can to prevent a premature return to the hospital outside of appointments. The intake procedure is slower and requires more attention than normal from people suffering and in pain.
It's quite stressful. And this is in Canada where I didn't have to worry about a single hospital bill after multiple CT scans, ultrasounds, XRays, medications, regular blood work and blood cultures, and a semi-private hospital bed.
Outside of the stress of health issues, the worst thing I've had to endure is my employer asking me to have an insurance form filled out by my attending doctor in case I have to be re-admitted. It's difficult organizing having forms filled out when most appointments are held over the phone presently.
I can't imagine the burden of trying to navigate grants and massive bills on top of it all.