Even with best-in-class health insurance in the US, one "gotcha" leaves you with an unpayable bill. Usually, your company provides health insurance. Health insurance != health care. Larger companies (I assume this translates to tech) will also usually have a clinic on-site for smaller things and it's heavily subsidized or free.
None of this prevents you from 6-figure debt for something like a difficult, but largely by-the-book, birthing experience or a car accident.
None of this prevents you from 6-figure debt for something like a difficult, but largely by-the-book, birthing experience or a car accident.