A few million dollars would probably cover months in the ICU, so not exactly common. A few tens of thousands would be a more plausible ambulance ride to ER followed by emergency surgery and a few days in the hospital, which still isn’t very common. Carrying a pregnancy to term and delivery can be similarly expensive though.
Are you implying random programmers, administrators, and managers at insurance companies have generational wealth? Then why are they spending their time doing those jobs?