Not everyone is going to have a 10 million dollar hospital bill. That's the entire point of insurance, and also the point of having a national plan: you general

Not everyone is going to have a 10 million dollar hospital bill. That's the entire point of insurance, and also the point of having a national plan: you generally aren't going to know if you're going to have a lifetime expense of 10K or 10M. So you need to aggregate that across the entire population.