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Particularly if your medical experience also leaves you predisposed to have further medical complications in your life.

Exactly. Having your current "medical debt" (US only term, I think) paid - if it's all paid, other posts indicate it is not - doesn't exempt you from accumulating more of it in the future. On the contrary, it may make you more likely to get more.

I have a serious medical condition, and at different times have had significant medical debt. I've never once had an issue getting access to care, even with organizations that I had bills in collection with.

It's illegal to deny care in an emergency setting. Patient abandonment is also illegal (breach of duty).