[StillBored]

Uh, despite what you have heard about the ACA (obamacare) it actually did do a number of good things. One of which is limit total yearly out of pocket. So if you have insurance (no matter how bad) your max out of pocket is capped.

For 2018 the individual limit was $7350,

https://obamacarefacts.com/health-insurance/out-of-pocket-ma...

Which granted is a _LOT_ if your making $30k a year, but its not the instant bankruptcy many people discovered themselves in after situations like yours where the out of pocket for "good insurance" could easily go over $100k for fairly limited hospital says.