I think most Americans over-index on the cost of healthcare and the availability of insurance because it’s constant in our news and our system absolutely sucks. Most people don’t need regular medical care because most people are healthy (until they start getting older). It’s expensive, sure, but most people in the middle-class have employer sponsored healthcare, and retirees have government sponsored healthcare, and many low-income people have government sponsored healthcare. The difference in out-of-pocket costs is easily accounted for within significantly higher salaries.
Of course, the issue is not the actual availability of insurance, it is that there is a patchwork of laws and protections and it’s not universal to be covered at any point in your life. But many states have well above a 90% insurance rate. California, the most populous state, has 93%. Massachusetts is sitting at 98%. Even Texas, the worst state for health insurance, is at 85% of the population covered.
Of course, the issue is not the actual availability of insurance, it is that there is a patchwork of laws and protections and it’s not universal to be covered at any point in your life. But many states have well above a 90% insurance rate. California, the most populous state, has 93%. Massachusetts is sitting at 98%. Even Texas, the worst state for health insurance, is at 85% of the population covered.