And even if they do cover you, from what I understand you still need to actually pay some percentage of the hugely inflated costs yourself.
I have a cousin in Florida who was charged $700 for some cortisone cream, but "good news" they only had to pay 20% because their insurance covered it! That is still $140 for something that in the UK is approx £2/$3 (three) (e.g. https://www.expresschemist.co.uk/hydrocortisone-cream.html), assuming you need to pay at all (many people get these things entirely free, and if not it will be at some fixed peppercorn price regardless of what the drugs actually are).
If basic skin creams are 700 bucks, I can't imagine what actual treatment costs. You'll want to keep a significant buffer of cash in case you are unfortunately sick one day, otherwise if you cannot pay your medical bills then I presume they will declare you bankrupt and force you to sell your house to pay the bills. The last thing you want if you have a heart attack or cancer is that your kids now also don't have a home as well as you not being there to support them etc. To me it feels irresponsible to just trust that insurance will cover you when in reality there is a not insignificant risk that you will not be covered and instead have some huge bill arrive one day that you cannot pay.