If you go to a hospital and the hospital bills $100,000, let's consider two scenarios:

Scenario 1: You have a high deductible health insurance place with a $10,000 deductible. The health insurance company pays $90,000 and the hospital asks you to pay the rest. Hospital bills have a lot of wiggle room and all of it is negotiable. You tell them you're broke. In this case, the overwhelmingly likely scenario is that they'll do something like "Okay, pay us $50 a month for a year and we'll call it good", because they already got the vast majority of what they were asking for from the insurance company. They have already made most of their profit. It is totally not worth it for them to even send this to collections, let alone hire a lawyer to sue you.

Scenario 2: You have no coverage. Hospital asks you for $100,000. You tell them you're broke and will declare bankruptcy. They might offer you a plan like $200 a month for the next three years, because nobody else has paid them anything. And here's the thing: they have leverage over you, because they know that a bankruptcy lawyer is going to ask for a $10,000 retainer paid upfront. You can't just go up into your local courthouse and shout "I DECLARE BANKRUPCY!” in the style of The Office. Nope. You'll just get 25% of your pay cheque garnished for the next eight to ten years because you couldn't afford a bankruptcy lawyer to stop it. The hospital knows that they can juice $9,000 out of you or more, because you being broke also means you can't afford a lawyer.

Anyway, you do the maths. I don't know your financial situation and how much the insurance companies want to insure you. You make the right decision based on your situation. I'm just providing information. Maybe the maths nonetheless points you to Scenario 2 being a better bet. But it's not as clear cut as one might initially think, so at least give it some thought and punch in some numbers into a calculator. And if you already have, more power to you.