to flip it on it's head. If you get ill or injured in the us you could be more than the $20K in debt for hospital bills. Whereas Europe has healthcare that will not take away everything you have. Also there is the fact that America is extremely anti-immigration at the moment.
If you're on a visa and you lose your job and thus your health insurance, you're probably going back to your home country anyways. I wouldn't worry about medical debt then, they can't pursue you across international lines. Send the hospital AP department an email saying 'hi I'm no longer in the US, I'm in HomeCountry for the foreseeable future' and they're just going to write off the debt and call it a day. Medical debts don't cross national borders
In what way? Compared to which countries? If OP is coming to the USA for school, I don't think this is a concern esp in the short term.
My experience is limited to living in Spain and Sweden, but neither have had issues with having medical personal available for me when needed, even for relatively minor issues. I'm sure it differs a lot across the continent.