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“getting sick” and “getting hospitalized” are two wildly different things. I got sick last week and it cost me nothing (well, a few $$$ for some ice cream).
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You don’t need to be hospitalised for Multiple Sclerosis, but you’re still sick, and it’s still costing you between $60k and $90k/yr depending on insurance(https://www.verywellhealth.com/ms-treatment-cost-what-to-expect-5409576).
My ex lives in a country with socialised health care, though, and pays nothing for her treatments. You can be cavalier about it when the same is true in the US.
