What's the point of insurance if even after having a top tier plan you will still be bankrupt and in debt for life?
The point is NO one can afford to pay for a major illness. Not even those who were insured.
We could if we went back to paying for our routine office visits, routine prescriptions, and innoculations, etc. out of pocket, paid off the emergency room bill, took on a substantial but manageable deductible on our hospitalization insurance, and bought into a pool for catastrophic medical insurance that would work very much like earthquake insurance or flood insurance. That would make medical insurance much more affordable for many millions more Americans. Just as most of us don't need disability insurance, it is very inexpensive insurance to buy, so would few of us ever use catastrophic medical insurance so spreading the risk would make it very affordable for us all to buy.
There are so many ways to address the problem without government furnished healthcare.