[xyzzyz]

Fewer than 40% of Americans actually have healthcare insurance of the quality implied above

If you are free to set metric arbitrarily, you can always ensure that majority of Americans do not meet it. For example, fewer than 40% of Americans drive cars that are younger than 5 years old. Does it mean that driving is out of reach for most Americans? Clearly, it's not.

More concretely, despite that "fewer than 40%" have healthcare coverage of the sort you arbitrarily chosen, it turns out that 70% of Americans rate their healthcare coverage as either excellent or good ( https://news.gallup.com/poll/245195/americans-rate-healthcar... ), and this figure has been stable for last 20 years.