If you make 31k, you likely don't have the good health insurance of the OP, and your final bill would be hundreds of thousands (i.e. it couldn't be afforded)
In reality you would end up on Medicaid. There would be limits to what hospitals you could go to for treatment, but you wouldn't be stuck with the bill in the end.
Basically the way the American healthcare system works, they will eventually pick up the tab. They just go out of their way to bleed you dry on the way.
If you make $31,000 as a non-elderly single person, you’re at 250% of the FPL and there is an 89% chance you’re insured: https://www.cbpp.org/uninsured-rates-are-higher-at-lower-inc.... Under Obamacare, there really isn’t any health insurance plans that will leave you with hundreds of thousands in costs without coverage (leaving aside surprise out-of-network doctors and that’s a loophole people on both sides of the aisle are trying to fix).
Basically the way the American healthcare system works, they will eventually pick up the tab. They just go out of their way to bleed you dry on the way.