The problem isn't that people can not afford health insurance then rack up hundreds of thousands in health care bills...
The problem is that it's even POSSIBLE to rack up hundreds of thousands in health care bills. It's easy, and the type of care doesn't even have to be all that extraordinary.
We need to reform the system that makes a bandage $100 or an injection $250, or a day in a hospital bed $1500. If the prices were what they should be, insurace would be cheap.
What comes first, the chicken or the egg? That is the question. If more people had insurance so that hospitals did not have to write off unpaid treatment then the price would come down because they wouldn't have to load up the bills on paying patients. The idea of insurance is quite simple. Pool resources and share the risk. When that occurs the total cost of health care will not go down but the impact individually will. The cost is what it is but if we spread out who pays and add to that the number of payers, each payer pays somewhat less.