Fair point. Let me re-suppose you’re both injured in a non-automotive accent or overcome by an illness.
Well, we can resuppose until the cows come home. Bottom line is that everyone’s situation is probably some different.
Certainly one needs to look at all the insurance they carry - auto, home, disability, some self-employed people carry disability insurance that pays if they aren’t able to perform their normal tasks, etc., what’s the cash reserve, how close is the nearest clinic, do you have a personal physician, what is the cost of an office visit, what is the age of the people and what is the extent of the medical intervention they would want - regardless of whether they had insurance or not, what are the resources in the community where you live.
My need for extensive and expensive insurance at my age is significantly less than that of my son who has a young child. No situation is just black and white and no two families are alike, in spite of what Obama and the government think.