> As broken and expensive as US healthcare is, you’re making 3x the money here
It's not a matter of the expected values, it's a matter of their distribution. The fact that you're making 3x as much doesn't change the fact that if you're unlucky for whatever reason you'll be in debt for the rest of your life.
No you won't. Bankruptcy is a thing. You have a put option to pay for medical care at the price of "all your non-creditor-protected assets". If you're in a reasonable place like Texas and you're maxing out IRA/401k and paying down your mortgage on your primary residence, you're going to be fine financially as long as you can either work or have good disability insurance.
It's not a matter of the expected values, it's a matter of their distribution. The fact that you're making 3x as much doesn't change the fact that if you're unlucky for whatever reason you'll be in debt for the rest of your life.