My husband was hospitalized a year and half ago we were insured and luckily nothing serious but caught us by surprise so yes the unexpected is always lurking out there to drag you down and hold you there. I choose to keep fighting.
In the end I may lose and die buried in debt. I can not see the future but I'm trying to prepare for it the best way I know how just like you and everyone else.
Doing our best is all we can do!
Thank you for your comment and I wish you all the best!