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I would say I make way more than the vast majority of Americans, and I still worry about medical expenses. Many insurance companies tend to either fight you on payments or force you to pay upfront and then reimburse, meaning a lack of significant cash on hand is a serious concern…

The majority can only afford healthcare while they are healthy. Being insured doesn’t protect you from bankruptcy when you get sick.

Unless you have at least $10k of liquid savings, you're one medical emergency away from bankruptcy. I have great employer sponsored healthcare and still had to pay around $1k for a kidney ultrasound that didn't find anything and a 30 minute zoom call with my PCP.

Debt, not bankruptcy.

I'm a bit late replying but it depends what your out of pocket maximum is. Mine I think is $2000. It's usually high deductible health plans that have high maximums, generally I'd refuse to with for a place where that was all they offered.

We can have all of this without a for profit health system though. The middle class are the ones being squeezed here.