I'd expect the majority of people's encounters with big medical bills from hospitals before old age are either emergency, or childbirth related, so those are th

I'd expect the majority of people's encounters with big medical bills from hospitals before old age are either emergency, or childbirth related, so those are the two things you'll see young and middle-aged people complain about. But the biggest bills are probably near end-of-life, and mostly not emergency care.