Reality check..
Many, if not most, Americans live paycheck to paycheck. Many who do not, assume that everyone else is like them. For someone living paycheck to paycheck, perhaps with kids etc, paying for health insurance that would only cover part of catastrophic medical bills would at first result in debt, then deep debt, and then life long debt if a catastrophic medical issue arose - even if they had the crappy insurance that is offered to them.
You guys need to get to know some working class folks and get out of you cubicles.
You know, I was thinking about the last line of this comment. It is pretty presumptive. First of all, like most people, I was not born in a cubicle. I worked regular jobs before college (and yes, I was out of my folks house young and w/o any financial support from them) as well as during and after college. The reason I went to college is b/c I quickly realized I couldn't support myself on minimum wage. I earned my way into my cube so that I wouldn't be one of the people who can't afford to take care of myself.
There is a reality check for you.