I'm not in the US, I live in Europe and health insurance is a personal thing completely unrelated to an employer. But my treatment isn't covered at all because it's not immediately life threatening and not the cheapest most traditional treatment option - a big issue with the EU systems is that it's either the regulated but usually pretty bad option, or 100% out of pocket (and the prices are not very different from what an US hospital bills). I can't just submit an invoice and get at least part of it covered. In my case I'd have problems even if I used the regulated option because there isn't an official code for my illness - it exists but only for children.

I wouldn't be able to function if I didn't go and I'm sure there's plenty of people like that in the US too... And yes, I'd go bankrupt if I didn't work in software for US company. Sucks to be poor - regardless of which continent.