Unless you are ancient or an ex military you are responsible for your own bills.
Insurance is like a bad lottery. If you win the bad lottery then they handle you, but as your risk or age goes up so does your insurance payment and sometimes deductible.
You described socialism where someone else pays your bills and you only pay something getting to supposedly keep your life savings and home blemish free. Why, are you the chosen one above all others?
That’s living in lala land my friend.
If what you mentioned goes down in this country you will require everyone to be paying a 500% value added tax on all goods and services like Europe.
No company or other citizen can afford to pay $200,000 - $1,000,000 for you.
If a major condition hits expect to pay huge premiums. You will pay with income, savings and your other estate assets.
Their is no right to have others pay for you unless you are very old or military.
Once you lose the ability to pay premiums if not old then you go in the system under welfare as a charity case.
Your asking to be a charity case with your assets all intact as WE pay which is unethical. Pay what you must. Burn through what you need to and if you luck out and do well you may have a penny to pass on.
Their might be some home protection during you lifetime on the books, but what you owe would be withdrawn from your estate before you get to give a penny to family.
There is no free ride.
I thought you might be a reasonable person, but misread your post. In a society as rich as ours, everyone should be able to get medical care and not have to lose everything they have.
You make it sound like I’m expecting everyone to get a free ride at someone else’s expense. I believe people have a responsibility to have some insurance and yes those costs would increase in a reasonable fashion as they age. I also said people who do not buy insurance, should not expect someone else to fit the bill if they get very ill. They would risk losing all their assets, because they are not contributing.
A compassionate society can find the means to pay for their sick without bankrupting them. Have you ever read about St Jude Children’s Research Hospital and the millions raised to help children fighting cancer.
Or was that just tough luck in the lottery of life, someone’s kid got cancer, so they should spend everything they own trying to save their child?
Shame on you.