Yep. I lived in the US for less than a year, so not long at all, but the absolute fear when someone became unwell was very scary. I had a colleague who had to work while going through chemotherapy for breast cancer as not only did she not get sick pay, if she went off sick her health insurance would be stopped, if her health insurance stopped she would face a delay of 6-8 months before medicaid kicked in, meaning absolutely no treatment during that time. It isn’t unusual for cancer related surgery to not be covered if they believe the person won’t live more than five years.
We had a colleagues whose pregnancy wasn’t covered because her baby was still born, pregnancy was only covered if there was either a live birth or a medical reason like an eptopic pregnancy for it not ending in a live birth.
I’m a type one diabetic, lets imagine I usually get through four pens a week, my insurance would only fund x amount of year, when I reached the limit I had to pay for it, and only my pens were covered, my strips etc were not. So I was paying around $80 a week for consumables that should have cost pennies, when my allocated insulin ran out I was paying hundreds of dollars a month just for insulin, which again should have actually been fairly cheap. I was okay, I was on a UK contract I could then claim it all back on expenses.