A lot of people can afford an insurance premium, and perhaps a deductible, but won't have enough for a $40,000 liability even if they saved for years.

What is suggested in this post is not much different from the past where poor people simply went on not having coverage and ended up in indentured servitude working off debts with manual labor like picking rocks. It's also just a thread away from Health Sharing Ministries, which is just a catastrophic failure whose nuance cannot be accurately depicted in a short comment.