

In the U.S. with insurance you would have easily hit the deductible and out-of-pocket costs though that does mean you would have been billed a few thousand dollars easily (on top of the regular monthly insurance costs). Everyone has slightly different health insurance plans so the actual amount would be hard to predict for a hypothetical question.
One thing you got me thinking, I’m not too sure how often U.S. insurers would actually cover someone to literally stay 4 months in a hospital, maybe in rare extreme cases? Insurance companies typically only approve x amount of days/weeks in hospitals or rehabilitation facilities so once you use up those approved days the hospital has to figure out how to get you out or start billing you directly at a few thousand per day.
In my early 30’s still felt like I was in my late 20’s so never really gave it much thought. Maybe around 33-35 I actually started getting into a more 30’s mindset.
Anyway, don’t overthink it :)