It's pretty hard for a software engineer to get bankrupted by the US healthcare system. As long as you maintain your insurance coverage, your biggest worry is the annual "out of pocket maximum", which is the most you can pay in a year, and is usually very low end of 5 digits. There are gotchas with this with uncovered services (i.e., rescue helicopters) but in general, this whole bankruptcy concept is overblown, especially in our privileged market segment.