Being poor enough to qualify for Medicaid is another way to get decent care, but it's mostly true if we take "having a good job" to include being part of a family with someone who has one.

The thing is, most Americans do have good jobs (or are in families with one), and do have decent health care. Should people with shit jobs have shit health care? No, and it's very unfortunate that this is how things work. But that doesn't mean we all face bankruptcy for major medical issues. The number of people who do face that should be zero and it isn't, but it's also not the norm.