If you get sick & have health insurance, can you still afford to go to a hospital?

A lady complaining on the news yesterday that she went to the hospital & had a $13,000+ bill and the insurance plan only paid $3,000.

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NeuroticByNature · 41-45, F

This is exactly why I dont have insurance. Insurance that is availible to me is incredibly expensive and doesnt cover anything. Ill pay out of pocket one way or another.