I'll challenge your kid.
During the past 15 months:
*Tore the meniscus in my knee playing dodgeball.
*While climbing into the bucket of my tractor, which was up as high as possible (to tie a rope to a tree I was pulling over), the bucket wasn't latched, it tipped, I fell out. Fortunately, my ankle and shin got stuck between two pieces of metal in the frame. I was left hanging upside down. Thought my leg was broken; back to limping with a reinjured knee.
*Catching a swarm of honey bees. Oooops, branch slipped. Knocked 10,000 bees onto my head and down my face. (No protective gear on; shorts, t-shirt.) I did the only natural thing - I jumped backwards. Ooops, forgot I was on the very top of a ladder. Limping again.
*Lifting the tongue on a trailer, as it was sinking into mud. Didn't notice the boards the tires were parked on had sunk into the mud & were no longer level. Trailer rolls forward; strikes the bad knee laterally. Limping again.
*Pounding posts with a 17 pound post pounder. Lifted it too high while busting my ass working hard doing it. It came down, nicked the edge of the post, causing it to rotate forward into my head, knocking me down like an overcooked spaghetti noodle trying to stay upright.
*And, I did it again. Post was hitting a rock in the ground. I was putting everything I've got into it, driving the steel post through the rock (typical field stone; usually will break in half if you hit it hard enough a few times.) Ended up rolling on the ground with blood spraying from my head. Even with pressure on it from my hands, blood was oozing from between my fingers for a couple minutes; couldn't see through my glasses because they were solid blood. 15 minute walk to get out of the back pasture and to the road. My brother all but passed out from the sight of the blood & had to call someone else to take me to urgi-care. (I was fine; just a lot of blood - typical head wound.)
But, medical bills? I think I had two $10 copays for visits, and 3 or 4 $10 copays for medicine. Insurance paid for almost everything else; and the copays for physical therapy were written off by the hospital, since my wife is a nurse/manager there.
Thinking back on it; if my choices were doing all the things I did & wind up with those injuries again, versus sitting on the couch watching Honey Boo Boo or Jersey Shore, I'd take the injuries in a heartbeat.