Medicare and Medicaid provide free healthcare to many Americans. Obamacare subsidizes health insurance for many additional Americans. For the most part, you only pay full cost for insurance if you can afford it.
You don't qualify for medicaid if you have any assets. You'll have to spend down to you last $2k in assets before you qualify for medicaid. So... someone in the middle, who perhaps has some savings, can still be ruined if they have one moderate incident which would force them to spend down all their assets to poverty level before receiving any assistance.
For the record, if you live in CA, I don’t believe this applies to Medi-Cal. Unless you’re a “Medi-Cal individual who receives long-term supportive services or who enrolls in Medi-Cal through certain disabilities”, I believe only income is tested.
(Not that this is enough! I am absolutely on the side of everyone having access to good public health care.)