Re: debt vs dead
Unless you had just changed job and your new insurance didn't kick in for 6months
Or a doctor not in your network glanced at the x-ray and so billed you for consultation - you did remember to check everyone in the hospital was in your network while being wheeled in didn't you ? It is your responsibility.
Employers can't fire you for being sick, but employment is at will so they can fire you for no reason while you are sick - they have to just be careful to say it is for no reason.