i'm on MA's state health insurance. i hear it would be pretty killer if i actually had a hospital visit...which to me defeats the whole purpose of health insura

i'm on MA's state health insurance. i hear it would be pretty killer if i actually had a hospital visit...which to me defeats the whole purpose of health insurance. i don't care about the small beans for doctor visits. i just don't want to get saddled with a 10k hospital visit bill for broken bones or something. i see health insurance as one of the biggest obstacles against going the startup route. i live cooperatively, so my monthly fees, when i had a 'real job' and was on BCBS, were more than rent + food. sure, most startupers are young folk, but we also live pretty risky lifestyles. i bike and roller blade along city streets all the time.