They don't. But that's not their fault. The U.S. health care system is completely unsustainable. The "plan" that almost every American wants is to make other people pay for his or her medical bills ... while doing whatever is necessary to avoid paying for EVERYONE ELSE's medical bills.
Candidate Donald Trump's "plan" in 2016 was to give people "better health care that costs less." That's a great plan there. It's like me telling people that they can live in Trump Tower for $500/month.
Great summation.