I have family members on MediCal. California’s Medicaid. It has been my observation that they get great care. They go, or take their kids, to the doctor if they have a fricken sniffle. Recently my cousins daughter, who is a 5 foot 300 pounder, was at the hospital in the middle of the night because her back hurt. Was a pulled muscle. Most people don’t use that kind of care with private insurance. They tough it out.
No offense to you or your extended family but they go because they know who doesn't pay for that care (them). We've almost always has "charitable care" or public health but this has gone too far. People like me (and you too I would wager) cannot afford to continue to pay for our own care and theirs too.
The bank is busted.