I did that once, paid my share of a $36,000 surgery up front to save myself a few thousand dollars. The surgeon screwed up which led to more surgeries needed to fix what he broke. The total went to $130,000+ which my insurance and I had to pay for despite the deal we made up front
The surgeon was supposed to be the "best in the nation" with many other surgeons travelling there to learn from him, this and the fact that a perforated bowel was listed as a possible complication on the form I signed before hand scared all the lawyers away from taking my case. These surgeries spanned the end of the year so I had to pay all the deductibles twice plus all the little crap the insurance company said was not covered. I couldn't work for years afterwards so my retirement and savings both evaporated.
I did end up getting SS disability and about 30% of my college expenses paid but this took almost 4 years to happen and was a VERY frustrating process. SS disability said I was not disabled enough to get help and the Vocational rehab agency said I was too disabled for them to spend money on school. When a judge ruled I was due the disability then the rehab people had to send me to college by law. In the meantime I estimate the lawyers, rehab people, and bureaucrats bilked the taxpayers for a quarter million plus, one phd alone was paid $24,000 to "evaluate" me and write a report, said I would never work again after spending a total of 1/2 hour in my presence hearing me tell them I WILL work again one way or another.
I would go to greater lengths to avoid hitting a squirrel crossing the road than I would for any of these people whose obligation was to help me..........
In the neck for all of them!