> The vast majority

Not vast. About 55% (workers and the family members) are covered by employer-sponsored health insurance. And that mostly self-selects for the younger and healthier so the coverage is less for random person.

Most retired people are not covered, and ironically very often the sick are not covered.

> absurdly wrong

I think you need to research the HN guidelines a bit more: https://news.ycombinator.com/newsguidelines.html