Put your money into lawyer fees and watch the bill fade away.
Also, most of those bills are negotiable when you have to pay. If you are going to pay usually it will negotiate down to about a third of what is being charged since that's all that the insurance carriers pay anyway.
It works for the hospital as well since they write off lots of it to expenses which means they can basically run the hospital at a loss and never pay any taxes.
Most any good medical oriented lawyer can get at least that much done for you. In other words most hospital bills are little more than a super scams designed to get the uninformed to pay big while the big guys get off the hook.
Most of us work hard for our money dont let the scammers have it.
Oh, that wasn’t mine: it was someone’s tweet. :-)
But I like your points.