When you have employer sponsored Health Care, you end up thinking that HC costs $50 - $400 a month. When you go out to buy it yourself, even if you are in a small group, you get shocked to learn that HC for a family of 4 is $1500 ti $1800 a month. The difference between your individual plan and what an employee pays is the additional the employer had been putting in , minus any discounts the employers group was able to negotiate. Of course, if you are the poorest or undocumented, you think HC is free, and you are correct. Show up at an ER, and get your HC. However, this kind of HC plan is the least efficient, least convenient, and least effective kind, but at the most desired price.
I have been where you are in the recent past. I was paying $1800 a month, and was able to reduce that to $1500 by accepting a large deductible, higher out of pocket policy. Now you know why many working people just skip health insurance, even though they have an income.
What is truly hard to understand, is the fee structure of health care. A hospital will charge a completely insured person with wealth and assets the least (due to insurance plan negotiated rates), and then charge the poorest uninsured person the most,often two to four times as much, for a similar service. This seems upside down to me. So what happens is that the uninsured get directed to different facilities, facilities where the "service" is named the same, but is done with lower cost and convenience. That's your two tiered health care system, already in place today.