Yes you do. Negotiation will still leave you hundreds of thousands in debt if you are hospitalized. I know from experience. You can probably negotiate the bill

Yes you do. Negotiation will still leave you hundreds of thousands in debt if you are hospitalized. I know from experience. You can probably negotiate the bill down to what the insurance pays, but not beyond that. Plus, hospitals don’t think highly of folks that don’t carry insurance. They may refuse to bargain with you at all. Do you think that 3 million dollar hospital bill will just go to collections? No they are going to sue you and get a judgement on you.