Google search tells me that in 2020 the median deductible (out of pocket pay before health insurance takes over costs) was between $1,418 and $2,295 depending largely on the company size, with "platinum" plans median of only $95 and "bronze" plans median of $6,992[1].
The cost of an MRI (starting at $400, going way up depending on what was MRI'ed)[2], xray (starting at $100)[3] and an overnight stay (around $2600 non-ICU [4]) would be at least $3100 alone if you had to pay everything out of pocket, not accounting for any additional costs (the unspecified "additional tests" you mentioned, for example, or things you haven't explicitly mentioned but may still used like an ambulance ride, etc).
Of course, this is recent prices, and the prices may have varied when you actually were in hospital, and it is my understanding that prices both for health care services and procedures, and health insurance can vary widely depending on the region and the providers involved in the US.
But my google-fu let's me conclude that you indeed extremely likely had a health insurance plan at "platinum" level, far better than what most of your fellow citizens in the US enjoy.
Somebody with a plan near the "median deductible" would have paid that median deductible of more than $1400 in full, or around 10x what you had to pay, somebody unlucky enough to be on a "bronze" plan might have had to pay the full amount (or at least around 7 grand), and there are about 31 million people in the US without health insurance[5] who would have had to pay in full.
(Please note that I, as somebody who never experienced the US health care system, can thus only provide an outside view based on what I heard from people I know and in the media, and googled)
The cost of an MRI (starting at $400, going way up depending on what was MRI'ed)[2], xray (starting at $100)[3] and an overnight stay (around $2600 non-ICU [4]) would be at least $3100 alone if you had to pay everything out of pocket, not accounting for any additional costs (the unspecified "additional tests" you mentioned, for example, or things you haven't explicitly mentioned but may still used like an ambulance ride, etc).
Of course, this is recent prices, and the prices may have varied when you actually were in hospital, and it is my understanding that prices both for health care services and procedures, and health insurance can vary widely depending on the region and the providers involved in the US.
But my google-fu let's me conclude that you indeed extremely likely had a health insurance plan at "platinum" level, far better than what most of your fellow citizens in the US enjoy.
Somebody with a plan near the "median deductible" would have paid that median deductible of more than $1400 in full, or around 10x what you had to pay, somebody unlucky enough to be on a "bronze" plan might have had to pay the full amount (or at least around 7 grand), and there are about 31 million people in the US without health insurance[5] who would have had to pay in full.
(Please note that I, as somebody who never experienced the US health care system, can thus only provide an outside view based on what I heard from people I know and in the media, and googled)
[1] https://www.investopedia.com/how-much-does-health-insurance-...
[2] https://www.itnonline.com/content/mri-costs
[3] https://health.costhelper.com/x-rays.html
[4] https://www.debt.org/medical/hospital-surgery-costs/
[5] https://www.statista.com/statistics/200955/americans-without...