Depending on your income levels, many hospitals will work with you on bills and lower the bills as well if you ask nicely. Before I got married I had no insurance and was being seen for my headaches and neuro issues. I was dying financially and I had a lady there ask me if I knew about the financial relief - that helped tremendously. They ended up cutting my bills by 60%, the next fiscal year they upped the amount you could make and I got I think 90% paid by them.
It can never hurt to ask if you are paying out of pocket!!
And I'll say this: insurance isn't cheap. Sure, my husband pays for it, and wow, does he PAY for it. The only good thing is I was able to have 3 MRI's done and see a neurologist finally (that isn't cheap) and only pay $15. Of course our monthly insurance bills cause me to have heartburn.
And if you really want to know expense....have a premature baby with an extended hospital stay. I did 10 years ago. The state covered me for that here in Washington. For that I will NEVER complain about the state's "poor" insurance here. I was 24 with no insurance and a high risk birth. I was told: don't worry, you are covered. I came out of the hospital with Ford healthy and not one cent in bills. Yes, I pay for it now in taxes, but I was grateful for it then.