I think there are other reasons, e.g. they don't like doctors, or it's too inconvenient, or waiting times are too long. I have good insurance and haven't seen a doctor in probably 20 years.
I know people who are visiting the doctor for every sore throat, ache and pain or sneeze and sniffle, and that's not me at all.
> The survey showed that over nine in ten (92%) of insured respondents had delayed or avoided medical care because of concern about cost.
> In fact, 95% of those surveyed said a medical emergency would likely put them into serious debt even with insurance.
People get so hung up on the idea that they should have to pay for health care, when you have to pay for every other necessity in life.
The medical emergency debt statistic is just the usual thing of people not really understanding how medical insurance works.
A lot of medical care involves inelastic demand because your options are 1) pay this or 2) suffer and/or die.
"The market" does not function correctly with inelastic demand curves.
Yet another reason to socialize healthcare.
Then there's the people who bemoan "paying for someone else's healthcare" while completely ignoring that's what they're doing in the current system anyway.