I actually didn’t have health insurance a few years ago and signed up for one of the non religious “health shares”. But I ended up in the hospital for a few days with a condition that was never fully diagnosed before I was discharged and the health share refused to pay anything and I was left with a $45k bill. For just 3 days of inpatient.

Imagine cancer or a car accident. If you have no income or assets, you can often get that written off by the hospital, but if you have income or assets, they will absolutely bill you for everything and a major health event like that could easily rack up $500k or more in bills.