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.
Most anyone can figure out how to make 10 bucks an hour under the table doing something not too difficult. That is an extra 25 hours of work a month. Fuck, that's about what I volunteer.