No, all you have to do is get sick. You should try reading medical bills sometimes. A 15 minute appointment with my regular doctor is $300. An ambulance ride literally down the block is over $1k (and I hear that's actually cheap). An MRI is $1500+. Going to the ER starts at $2k. My kid got bit by a snake, which thankfully turned out to be non-venomous. Antivenom was over $120,000.
Oh, and I used to work in a hospital where my family was also sometimes a patient. A bag of saline we paid 73 cents for in the lab was billed to us as a patient at $50.
If you don't have good insurance, you're one accident or major illness away from serious debt.