Hospital won't go to your bank to verify account information. They will probably ask you to provide bank statement. In US, it is an honor system. It's presumed that you are an honest person and your statements are honest as well. If you abuse the system, then you will have to suffer the consequence if and only if you get caught.
Your hu*****and can add you to his insurance within the first 30 days of your marriage, or during annual open enrollment. If the ER visit happened after you get married and you are still within 30 days, make your hubby add you to his health insurance. Then you will be only responsible for the copay, which typically is $50 - $150.
If you don't have insurance, try to negotiate for a lower fee (not financial assistance). Most hospitals are willing to negotiate.
