Sure there is. There aren't that many private insurance companies in the US and they all work similarly.
"I take you haven't experienced the system as someone, say, making less than $25k/yr, in every single state, at various times of year (say 2 months before your deductible rolls over) with various kinds of conditions (acute, chronic, extremely rare, etc?), at various points in their careers (if they can even claim to use that word)? And you've experienced this in a range of personal contexts?"
I feel like this is the 'no true scotsman' logical fallacy creeping into the conversation. You could say the same thing about every single healthcare system (or any large system) in the world: it's not the same for everyone.
..and by the way, my wife's sister makes $35K/year. Money has little to do with it.
"There are millions of Americans who can't afford $250/mo on top of food, rent, and transportation costs, working more than full-time hours spread across several jobs, all of which pay minimum wage in poor conditions that are bad for their bodies and with unpredictable scheduling."
You say that, but many people I know won't pay for healthcare, but pay more in booze, weed, and expensive electronics and services.
When I was single, I got bare-bones care for $75/month. This is as cheap as a cellphone plan. My premiums were high, but I wouldn't go bankrupt if I had major surgery. Many people can easily afford healthcare in this country. They choose to spend their money elsewhere.
I've traveled the world and the US has the richest poor people I've ever seen. Try living on less than $2/day with starving children.
Hospitals can't refuse anyone by law. We also have lots of systems, paid for by the taxpayers, to help people on low incomes get the care they need.
"In light of the reality of many, many people's experiences in the healthcare system that are contrary to your own, which are NOT hard to find, your comments comes across quite poorly."
Your comments come off as rather naive. No system is perfect and I can point to many instances of people getting terrible care in every other healthcare system as well.
You want to paint a hyperbolic picture that the US healthcare system will make you go bankrupt and you need to be rich to get care.
My point is that this just isn't true. It needs work, but it's not nearly as bad as you make it out to be.