Born and raised in the US. I don't think it's a crazy place to live. I live off of a relatively small amount, less than 30k per year. I pay my insurance bills

Born and raised in the US. I don't think it's a crazy place to live. I live off of a relatively small amount, less than 30k per year. I pay my insurance bills and I pay my taxes. Average rent for a studio where I am is ~$900/mo, and I live in a major east coast city. I get my teeth cleaned every 6 months at the dentist. I have yearly physicals. I was in a car accident and had to go to the ER. That was covered by my auto insurance as well as health insurance. I never have thought about bankruptcy as an outcome of breaking my leg... how on earth would that happen with insurance?