That kinda raises an interesting point, or interesting idea. 

I think the big fear that most Americans would have is being bankrupt by insurmountable medical costs -  being involved in a devasting accident; getting cancer; etc etc

So, why not develop a system where each person is required - as their income permits - to buy insurance to pay for ordinary medical expenses?  or better yet, pay for ordinary medical expenses out-of-pocket?  And then, have a government-sponsored program to pick up the tab on those extra-ordinary expenses - the ones that are not too common, but are financially back-breaking. 

???