American medical system story time!

Last year, I was boogie boarding at the beach and I fell. I got a concussion, and I partially or temporarily dislocated my shoulder. This was several months ago, my shoulder is fine now. At the time, I couldn't move my shoulder at all and we didn't know what had happened to it, so we went to an urgent care facility. The urgent care facility could not help us, so we had to go to the emergency room. They gave me an IV to add fluids into my body, they did an x-ray of my arm, and they did an MRI to scan my brain for the concussion. I had no idea what the cost would be. Today, I finally received the bill. It's $2,000, not as bad as I thought, but still one or two months worth of rent. Although I have health insurance provided through my work, most young people like me buy the cheapest plan available, and that means I have to pay everything until I reach my "deductible" for the year. For example, if my deductible is $10,000, my health insurance won't cover anything unless I've paid more than $10,000 in medical expenses (my deductible is $4000 right now, but it was $10,000 on my last plan). So basically, my health insurance doesn't do anything at all except make sure that, if I had a bunch of medical bills in one year or one really big medical bill, I wouldn't have to pay past a certain point. It's not so much medical insurance so much as medical bankruptcy insurance, and for many people it still isn't enough to prevent medical bankruptcy. For someone like me, I'll be fine paying this bill. For someone else, after one day at the beach, it would become a major problem.