Obviously it’s a joke, but get insurance. Thanks to the affordable care act they have a maximum out of pocket cost (for what is covered) and will save you from ruin.
I know you're being helpful so I don't want to shit on you but that is still unaffordable as fuck for so many people. The ACA is a bandaid applied to a gaping wound.
I'm paying a $2000 bill right now. Without insurance, it would be more like $50,000. And a surgery I had last year, they delayed because the insurance company didn't want to cover it at first and we would have to give them $1500 up front. Thankfully, that got taken care of. Still had to pay that $1500 though. I just could pay it in installments.