We're falling into a trap of using subjective definitions the term "wealthy".
$2000-$3000/person/year [1] on top of regular insurance is a more than most people can afford, especially in a country where a large percentage of the population has little in terms of savings [2], and 60% live paycheck-to-paycheck [3].
But you certainly don't have to be a billionaire or even a deca-millionaire to afford it. You just need to be in the higher percentiles of your local income/wealth distribution.