RE: If one is unemployed, a mere appendectomy could wipe out the entire family.
That is why you need a Health Savings Account to is yours and will help cover your expenses if you should lose your job.
Or you could apply for Medicaid. since as an unemployed, you have low income.
Some states did no expand Medicaid, so just a low income won’t make you eligible.
In traditional Medicaid (before Obamacare) you had to have a low income and be a primary care giver of young children, or be blind and a few other criteria.
Medicaid was not for the average poor or unemployed person.
Under Obamacare the eligibility requirements were relaxed to allow people with low incomes in (regardless of other circumstances). However, the Supreme Court overruled that and said that States did no have to relax their Medicaid eligibility requirements ... so about half the States did not relax the eligibility requirements.